00019861482023-12-31falseThis Portfolio’s annual expenses reflect temporary fee reductions.Expressed as an annual percent of daily net assets in the variable investment options.Expressed as an annual percentage of daily net assets in the Portfolio. This range is for the year ended December 31, 2023 and could change from year to year.Expressed as an annual percentage of the applicable benefit base.Deducted upon a withdrawal of amounts in excess of the 10% free withdrawal amount, if applicable. The withdrawal charge percentage we use is determined by the number of years since receipt of the contribution to which the charge relates if you make a withdrawal or surrender your contract. For each contribution, we consider the year in which that contribution to be “year 1”.Special service charges include (1) express mail charge; (2) wire transfer charge; and (3) duplicate contract charge. The duplicate contract charge is currently waived. We may discontinue this waiver at any time, with or without notice.The annual administrative charge is deducted from your account value on each contract date anniversary. If the contract is surrendered or annuitized or a death benefit is paid on any date other than the contract date anniversary, we will deduct a pro rata portion of the administrative charge for that year. If your account value on a contract date anniversary is $50,000 or more there is no charge. During the first two contract years this charge, if applicable, is equal to the lesser of $30 or 2% of your account value. Thereafter, the charge, if applicable, is $30 for each contract year.Deducted annually on each contract date anniversary for which the benefit is in effect. If the contract is surrendered or annuitized or a death benefit is paid on any date other than the contract date anniversary, we will deduct a pro rata portion of the charge for that year. The benefit base is not an account value or cash value. If you elect the Guaranteed minimum income benefit and/or the Guaranteed minimum death benefit at issue, your initial benefit base is equal to your initial contributions to your contract. For Accumulator® PlusSM contracts, your initial benefit base does not include the credit. Subsequent adjustments to the applicable benefit base may result in a benefit base that is significantly different from your total contributions or account value. See “Guaranteed minimum income benefit and Guaranteed minimum death benefit base” and “GWBL benefit base” in “Benefits available under the contract”. Expressed as an annual percentage of the benefit base.Please see Appendix “Contract variations” for more information on the charge applicable under your Accumulator® Series contract.No charge (if you previously had the Standard death benefit); 0.25% of the Annual Ratchet to age 85 benefit base (if you previously had the Annual Ratchet to age 85 death benefit); 0.35% of the Greater of 6% Roll-up to age 85 benefit base, as applicable (if you had previously had the Greater of 6% Roll-up to age 85 death benefit).If you step-up your GWB benefit base, we reserve the right to increase your charge to 0.60%. The current charge is 0.35%.Deducted annually on each contract date anniversary for which the benefit is in effect. If the contract is surrendered or annuitized or a death benefit is paid on any date other than the contract date anniversary, we will deduct a pro rata portion of the charge for that year. If you are an existing contract owner, this pro rata deduction may not apply for any optional benefit charges under your contract. See Appendix “Contract variations” for more information. For Principal ProtectorSM only (if applicable), if the contract and benefit are continued under the Beneficiary continuation option with Principal ProtectorSM, the pro rata deduction for the Principal ProtectorSM charge is waived.We will increase this charge to 0.75% if the benefit base ratchets. The current charge is 0.60%.The benefit base is not an account value or cash value. If you elect the Guaranteed minimum income benefit and/or the Guaranteed minimum death benefit at issue, your initial benefit base is equal to your initial contributions to your contract. For Accumulator® PlusSM contracts, your initial benefit does not include the credit. Subsequent adjustments to the applicable benefit base may result in a benefit base that is significantly different from your total contributions or account value. See “Guaranteed minimum income benefit and Guaranteed minimum death benefit base” and “GWBL benefit base” in “Benefits available under the contract”.Only applicable to contract holders who elected to convert their Guaranteed minimum income benefit into the New GWBL. See Appendix “New Guaranteed Withdrawal Benefit for Life” for more information.“Annual Portfolio Expenses” are based, in part, on estimated amounts of such expenses. Pursuant to a contract, Equitable Investment Management Group, LLC has agreed to make payments or waive its management, administrative and other fees to limit the expenses of certain affiliated Portfolios through April 30, 2025 (“Expense Limitation Arrangement”) (unless the Trust’s Board of Trustees consents to an earlier revision or termination of this agreement). The Expense Limitation Arrangement may be terminated by Equitable Investment Management Group, LLC at any time after April 30, 2025. The Expense Limitation Arrangement does not apply to unaffiliated Portfolios.EQ Managed Volatility Portfolios that include the EQ volatility management strategy as part of their investment objective and/or principal investment strategy, and the EQ/affiliated Fund of Fund Portfolios that invest in Portfolios that use the EQ volatility management strategy, are identified in the chart by a “†“. See “Portfolios of the Trust” for more information regarding volatility management.Expressed as an annual percentage of account value.Allows you to rebalance your account value only among the Option II variable investment options and the guaranteed interest option. Allows you to rebalance your account value only among the Option I variable investment options. Deducted annually on each contract date anniversary for which the benefit is in effect. If the contract is surrendered or annuitized, or a death benefit is paid, or the benefit is dropped (if applicable), on any date other than the contract date anniversary, we will deduct a pro rata portion of the charge for that year.Only available if you elect the Guaranteed minimum income benefit. The 1.15% charge will apply if you elect to reset the benefit. The current charge is 1.00%. You may elect both the Guaranteed minimum income benefit and one of our Principal guarantee benefits. If you elect the Earnings enhancement benefit at issue, and your Guaranteed minimum income benefit then converts to the Guaranteed withdrawal benefit for life at age 85, the Earnings enhancement benefit will continue in force after conversion, although it may be adversely affected by withdrawals under the Guaranteed withdrawal benefit for life. We will increase this charge to 1.30% if you elect to reset your Roll-up benefit base on any contract date anniversary. See both “Guaranteed minimum death benefit charge” and “Guaranteed minimum income benefit charge” in “Charges and expenses”. Any reset prior to April 1, 2013 did not result in an increased charge. This charge may be lower for certain contract owners. Please see Appendix “Enhanced death benefit example” for more information. The current charge is 1.00%.If your Guaranteed withdrawal benefit for life (“GWBL”) benefit base ratchets, we will increase your charge to 1.30%. Please see “Guaranteed withdrawal benefit for life (“GWBL)” in “Purchasing the Contract” for more information about this feature, including its benefit base and the Annual Ratchet provision, and “Guaranteed withdrawal benefit for life benefit charge” in “Charges and expenses”. The current charge is 1.00% This assumes that the Guaranteed minimum income benefit does not increase before the Conversion effective date at age 85. If it did, the charge would equal the Guaranteed minimum income benefit charge percentage at the time of conversion, which could be as high at 1.30%. This charge may be lower for certain contract owners. Please see Appendix “Contract variations” for more information.Expressed as an annual percentage of the account value.Expressed an annual percentage of the benefit base. Allows you to rebalance your account value only among the Option A variable investment options and the guaranteed interest option.Allows you to rebalance your account value only among the Option B variable investment options.The Portfolio operates as a “government money market fund.” The Portfolio will invest at least 99.5% of its total assets in U.S. government securities, cash, and/or repurchase agreements that are fully collateralized by U.S. government securities or cash.Not all variable investment options are available under all contracts. If you purchased your contract after approximately February 17, 2009, only these variable investment options are available under your contract. The other variable investment options listed are only available to contract owners who purchased their contracts before that date.The current fee is 0.25%.If you step-up your GWB benefit base, we reserve the right to increase your charge to 0.80%. The current charge is 0.50%.If the contract is surrendered or annuitized or a death benefit is paid on any date other than the contract date anniversary, we will deduct a pro rata portion of the charge for that year.The benefit base is not an account value or cash value. If you elect the Guaranteed minimum income benefit and/or the Guaranteed minimum death benefit at issue, your initial benefit base is equal to your initial contribution to your contract. For Accumulator® PlusSM contracts, your initial benefit base does not include the credit. Subsequent adjustments to the applicable benefit base may result in a benefit base that is significantly different from your total contributions or account value. See “Guaranteed minimum income benefit and Guaranteed minimum death benefit base” and “GWBL benefit base” in “Benefits available under the contract”.The 1.40% charge will apply if you elect to reset the Roll-up benefit base. The current charge is 1.10%.If you elect the Earnings enhancement benefit at issue, and your Guaranteed minimum income benefit then converts to the Guaranteed withdrawal benefit for life, the Earnings enhancement benefit will continue in force after conversion, although it may be adversely affected by withdrawals under the Guaranteed withdrawal benefit for life.The 1.20% charge will apply if you reset your Guaranteed minimum income benefit prior to conversion or if your GWBL benefit base ratchets after conversion. The current charge is 0.90%.Deducted upon withdrawal of amounts in excess of the 10% free withdrawal amount, if applicable. The withdrawal charge percentage we use is determined by the number of years since receipt of the contribution to which the charge relates if you make a withdrawal, surrender your contract to receive its cash value, or surrender your contract to apply your cash value to a non-life contingent annuity payout option. For each contribution, we consider the year in which that contribution to be “year 1”.Only available if you also elect GMIB I — Asset Allocation. The 1.05% charge will apply if you elect to reset the Roll-up benefit base. The current charge is 0.90%.The 1.20% charge will apply if you elect to reset the Roll-up benefit base. The current charge is 0.90%.Only available if you also elect GMIB II — Custom Selection. The 1.25% charge will apply if you elect to reset the Roll-up benefit base. The current charge is 1.10%.Any reset prior to April 1, 2013 did not result in an increased charge.We will increase this charge to the maximum charge shown, if you elect to reset your Roll-up benefit base on any contract date anniversary. See both “Guaranteed minimum death benefit charge” and “Guaranteed minimum income benefit charge” in “Charges and expenses”. Any reset prior to April 1, 2013 did not result in an increased charge. The current charge is 0.80%. We will increase this charge to the maximum charge shown, if you elect to reset your Roll-up benefit base on any contract date anniversary. See both “Guaranteed minimum death benefit charge” and “Guaranteed minimum income benefit charge” in “Charges and expenses”. Any reset prior to April 1, 2013 did not result in an increased charge. The current charge is 0.65%. The 0.55% charge is applicable of the Greater of 6% Roll-up to age 85 benefit base or Annual Ratchet to age 85 benefit base if you were previously paying 0.80% for the Greater of 6% Roll-up to age 85 or Annual Ratchet to age 85 death benefit. No charge (if you previously had the Standard death benefit);, 0.25% of the Annual Ratchet to age 85 benefit base (if you previously had the Annual Ratchet to age 85 death benefit); 0.40% of the Greater of 6% Roll-up to age 85 benefit base or Annual Ratchet to age 85 benefit base, as applicable (if you had previously had the Greater of 6% Roll-up to age 85 death benefit and you were previously paying 0.65%). We will increase this charge to 0.80% if you elect to reset this Roll-up benefit base. The current charge is 0.65%. We will increase this charge to 0.95% if you elect to reset this Roll-up benefit base. The current charge is 0.80%. Only applicable to contract holders who elected to convert their Guaranteed minimum income benefit into the New GWBL. See Appendix “New Guaranteed Withdrawal Benefit for Life”. 0001986148 2024-05-01 2024-05-01 0001986148 ck0001986148:C000247496Member 2024-05-01 2024-05-01 0001986148 ck0001986148:C000247499Member 2024-05-01 2024-05-01 0001986148 ck0001986148:C000247497Member 2024-05-01 2024-05-01 0001986148 ck0001986148:C000247498Member 2024-05-01 2024-05-01 0001986148 ck0001986148:C000247500Member 2024-05-01 2024-05-01 0001986148 ck0001986148:AccumulatorPlusMember ck0001986148:C000247496Member 2024-05-01 2024-05-01 0001986148 ck0001986148:AccumulatorMember ck0001986148:C000247496Member 2024-05-01 2024-05-01 0001986148 ck0001986148:AccumulatorEliteMember ck0001986148:C000247496Member 2024-05-01 2024-05-01 0001986148 ck0001986148:AccumulatorMember ck0001986148:C000247499Member 2024-05-01 2024-05-01 0001986148 ck0001986148:AccumulatorPlusMember ck0001986148:C000247499Member 2024-05-01 2024-05-01 0001986148 ck0001986148:AccumulatorEliteMember ck0001986148:C000247499Member 2024-05-01 2024-05-01 0001986148 ck0001986148:AccumulatorMember ck0001986148:C000247497Member 2024-05-01 2024-05-01 0001986148 ck0001986148:AccumulatorPlusMember ck0001986148:C000247497Member 2024-05-01 2024-05-01 0001986148 ck0001986148:AccumulatorEliteMember ck0001986148:C000247497Member 2024-05-01 2024-05-01 0001986148 ck0001986148:AccumulatorEliteMember ck0001986148:C000247498Member 2024-05-01 2024-05-01 0001986148 ck0001986148:AccumulatorMember ck0001986148:C000247498Member 2024-05-01 2024-05-01 0001986148 ck0001986148:AccumulatorPlusMember ck0001986148:C000247498Member 2024-05-01 2024-05-01 0001986148 ck0001986148:AccumulatorEliteMember ck0001986148:C000247500Member 2024-05-01 2024-05-01 0001986148 ck0001986148:AccumulatorPlusMember ck0001986148:C000247500Member 2024-05-01 2024-05-01 0001986148 ck0001986148:AccumulatorMember ck0001986148:C000247500Member 2024-05-01 2024-05-01 0001986148 ck0001986148:C000247496Member vip:InsuranceCompanyRiskMember 2024-05-01 2024-05-01 0001986148 ck0001986148:C000247496Member vip:RiskOfLossMember 2024-05-01 2024-05-01 0001986148 ck0001986148:C000247496Member vip:NotShortTermInvestmentRiskMember 2024-05-01 2024-05-01 0001986148 ck0001986148:C000247499Member vip:InsuranceCompanyRiskMember 2024-05-01 2024-05-01 0001986148 ck0001986148:C000247499Member vip:InvestmentOptionsRiskMember 2024-05-01 2024-05-01 0001986148 ck0001986148:C000247499Member vip:NotShortTermInvestmentRiskMember 2024-05-01 2024-05-01 0001986148 ck0001986148:C000247499Member vip:RiskOfLossMember 2024-05-01 2024-05-01 0001986148 ck0001986148:C000247497Member vip:NotShortTermInvestmentRiskMember 2024-05-01 2024-05-01 0001986148 ck0001986148:C000247497Member vip:InvestmentOptionsRiskMember 2024-05-01 2024-05-01 0001986148 ck0001986148:C000247497Member vip:RiskOfLossMember 2024-05-01 2024-05-01 0001986148 ck0001986148:C000247497Member vip:InsuranceCompanyRiskMember 2024-05-01 2024-05-01 0001986148 ck0001986148:C000247498Member vip:InsuranceCompanyRiskMember 2024-05-01 2024-05-01 0001986148 ck0001986148:C000247500Member vip:RiskOfLossMember 2024-05-01 2024-05-01 0001986148 ck0001986148:C000247500Member vip:NotShortTermInvestmentRiskMember 2024-05-01 2024-05-01 0001986148 ck0001986148:C000247500Member vip:InvestmentOptionsRiskMember 2024-05-01 2024-05-01 0001986148 ck0001986148:C000247500Member vip:InsuranceCompanyRiskMember 2024-05-01 2024-05-01 0001986148 ck0001986148:C000247498Member vip:RiskOfLossMember 2024-05-01 2024-05-01 0001986148 ck0001986148:C000247498Member vip:NotShortTermInvestmentRiskMember 2024-05-01 2024-05-01 0001986148 ck0001986148:C000247498Member vip:InvestmentOptionsRiskMember 2024-05-01 2024-05-01 0001986148 ck0001986148:AccumulatorSelectMember ck0001986148:C000247496Member 2024-05-01 2024-05-01 0001986148 ck0001986148:AccumulatorSelectMember ck0001986148:C000247499Member 2024-05-01 2024-05-01 0001986148 ck0001986148:AccumulatorSelectMember ck0001986148:C000247497Member 2024-05-01 2024-05-01 0001986148 ck0001986148:AccumulatorSelectMember ck0001986148:C000247498Member 2024-05-01 2024-05-01 0001986148 ck0001986148:AccumulatorSelectMember ck0001986148:C000247500Member 2024-05-01 2024-05-01 0001986148 vip:StandardDeathBenefitMember ck0001986148:AccumulatorMember ck0001986148:C000247496Member 2024-05-01 2024-05-01 0001986148 vip:StandardDeathBenefitMember ck0001986148:AccumulatorPlusMember ck0001986148:C000247496Member 2024-05-01 2024-05-01 0001986148 vip:StandardDeathBenefitMember ck0001986148:AccumulatorEliteMember ck0001986148:C000247496Member 2024-05-01 2024-05-01 0001986148 vip:StandardDeathBenefitMember ck0001986148:AccumulatorSelectMember ck0001986148:C000247496Member 2024-05-01 2024-05-01 0001986148 ck0001986148:GreaterOf4RollUpToAge85OrAnnualRatchetToAge85Member ck0001986148:C000247497Member 2024-05-01 2024-05-01 0001986148 ck0001986148:GuaranteedMinimumIncomeBenefitChargeMember ck0001986148:C000247497Member 2024-05-01 2024-05-01 0001986148 ck0001986148:GuaranteedWithdrawalBenefitForLifeMember ck0001986148:C000247497Member 2024-05-01 2024-05-01 0001986148 ck0001986148:HundredPercentPrincipalGuaranteeBenefitMember ck0001986148:C000247497Member 2024-05-01 2024-05-01 0001986148 ck0001986148:OneHundredTwentyFivePrincipalGuaranteeBenefitMember ck0001986148:C000247497Member 2024-05-01 2024-05-01 0001986148 ck0001986148:EarningsEnhancementsMember ck0001986148:C000247497Member 2024-05-01 2024-05-01 0001986148 ck0001986148:RebalancingMember ck0001986148:C000247497Member 2024-05-01 2024-05-01 0001986148 ck0001986148:DollarCostAveragingspecialDCAgeneralDCAandInvestmentSimplifierMember ck0001986148:C000247497Member 2024-05-01 2024-05-01 0001986148 ck0001986148:RebalancingMember ck0001986148:C000247496Member 2024-05-01 2024-05-01 0001986148 ck0001986148:DollarCostAveragingspecialDCAgeneralDCAandInvestmentSimplifierMember ck0001986148:C000247496Member 2024-05-01 2024-05-01 0001986148 ck0001986148:GuaranteedMinimumIncomeBenefitIAssetAllocationMember ck0001986148:C000247496Member 2024-05-01 2024-05-01 0001986148 ck0001986148:GuaranteedMinimumIncomeBenefitIICustomSelectionMember ck0001986148:C000247496Member 2024-05-01 2024-05-01 0001986148 ck0001986148:ConversionFromGuaranteedMinimumIncomeBenefitIAssetAllocationMember ck0001986148:C000247496Member 2024-05-01 2024-05-01 0001986148 ck0001986148:ConversionFromGuaranteedMinimumIncomeBenefitIICustomSelectionMember ck0001986148:C000247496Member 2024-05-01 2024-05-01 0001986148 ck0001986148:GreaterOf5PercentageRollUpToAge80OrAnnualRatchetToAge80GreaterOfGmdbIMember ck0001986148:C000247496Member 2024-05-01 2024-05-01 0001986148 ck0001986148:GreaterOf5PercentageRollUpToAge80OrAnnualRatchetToAge80GreaterOfGmdbIiMember ck0001986148:C000247496Member 2024-05-01 2024-05-01 0001986148 ck0001986148:AnnualRatchettoage85Member ck0001986148:C000247498Member 2024-05-01 2024-05-01 0001986148 ck0001986148:ModifieddeathbenefitMember ck0001986148:C000247498Member 2024-05-01 2024-05-01 0001986148 ck0001986148:FivePercentGWBAnnualwithdrawaloptionMember ck0001986148:C000247498Member 2024-05-01 2024-05-01 0001986148 ck0001986148:SevenPercentGWBAnnualwithdrawaloptionMember ck0001986148:C000247498Member 2024-05-01 2024-05-01 0001986148 ck0001986148:GuaranteedMinimumIncomeBenefitMember ck0001986148:C000247498Member 2024-05-01 2024-05-01 0001986148 vip:StandardDeathBenefitMember ck0001986148:AccumulatorMember ck0001986148:C000247498Member 2024-05-01 2024-05-01 0001986148 ck0001986148:SixPercentRollUpToAge85Member ck0001986148:C000247498Member 2024-05-01 2024-05-01 0001986148 ck0001986148:GreaterOf5RollUpToAge85OrAnnualRatchetToAge85Member ck0001986148:C000247498Member 2024-05-01 2024-05-01 0001986148 ck0001986148:GreaterOf6RollUpToAge85OrAnnualRatchetToAge85Member ck0001986148:C000247498Member 2024-05-01 2024-05-01 0001986148 ck0001986148:SevenPercentGWBAnnualwithdrawaloptionMember ck0001986148:AccumulatorSelectMember ck0001986148:C000247498Member 2024-05-01 2024-05-01 0001986148 ck0001986148:NewGuaranteedwithdrawalbenefitforlifeNewGWBLcharge6Member ck0001986148:AccumulatorMember ck0001986148:C000247498Member 2024-05-01 2024-05-01 0001986148 ck0001986148:NewGuaranteedwithdrawalbenefitforlifeNewGWBLcharge6Member ck0001986148:AccumulatorPlusMember ck0001986148:C000247498Member 2024-05-01 2024-05-01 0001986148 ck0001986148:NewGuaranteedwithdrawalbenefitforlifeNewGWBLcharge6Member ck0001986148:AccumulatorEliteMember ck0001986148:C000247498Member 2024-05-01 2024-05-01 0001986148 ck0001986148:NewGuaranteedwithdrawalbenefitforlifeNewGWBLcharge6Member ck0001986148:AccumulatorSelectMember ck0001986148:C000247498Member 2024-05-01 2024-05-01 0001986148 vip:StandardDeathBenefitMember ck0001986148:AccumulatorMember ck0001986148:C000247499Member 2024-05-01 2024-05-01 0001986148 ck0001986148:JointLifeOptionMember ck0001986148:AccumulatorSelectMember ck0001986148:C000247499Member 2024-05-01 2024-05-01 0001986148 ck0001986148:NewGuaranteedWithdrawalBenefitForLifeNewGwblChargeMember ck0001986148:AccumulatorMember ck0001986148:C000247499Member 2024-05-01 2024-05-01 0001986148 ck0001986148:NewGuaranteedWithdrawalBenefitForLifeNewGwblChargeMember ck0001986148:AccumulatorPlusMember ck0001986148:C000247499Member 2024-05-01 2024-05-01 0001986148 ck0001986148:NewGuaranteedWithdrawalBenefitForLifeNewGwblChargeMember ck0001986148:AccumulatorEliteMember ck0001986148:C000247499Member 2024-05-01 2024-05-01 0001986148 ck0001986148:NewGuaranteedWithdrawalBenefitForLifeNewGwblChargeMember ck0001986148:AccumulatorSelectMember ck0001986148:C000247499Member 2024-05-01 2024-05-01 0001986148 ck0001986148:SingleLifeOptionMember ck0001986148:AccumulatorPlusMember ck0001986148:C000247499Member 2024-05-01 2024-05-01 0001986148 ck0001986148:SingleLifeOptionMember ck0001986148:AccumulatorEliteMember ck0001986148:C000247499Member 2024-05-01 2024-05-01 0001986148 ck0001986148:SingleLifeOptionMember ck0001986148:AccumulatorSelectMember ck0001986148:C000247499Member 2024-05-01 2024-05-01 0001986148 ck0001986148:JointLifeOptionMember ck0001986148:AccumulatorMember ck0001986148:C000247499Member 2024-05-01 2024-05-01 0001986148 ck0001986148:JointLifeOptionMember ck0001986148:AccumulatorPlusMember ck0001986148:C000247499Member 2024-05-01 2024-05-01 0001986148 ck0001986148:JointLifeOptionMember ck0001986148:AccumulatorEliteMember ck0001986148:C000247499Member 2024-05-01 2024-05-01 0001986148 ck0001986148:GuaranteedMinimumIncomeBenefitChargeMember ck0001986148:C000247499Member 2024-05-01 2024-05-01 0001986148 ck0001986148:EarningsEnhancementBenefitChargeMember ck0001986148:AccumulatorMember ck0001986148:C000247499Member 2024-05-01 2024-05-01 0001986148 ck0001986148:EarningsEnhancementBenefitChargeMember ck0001986148:AccumulatorPlusMember ck0001986148:C000247499Member 2024-05-01 2024-05-01 0001986148 ck0001986148:EarningsEnhancementBenefitChargeMember ck0001986148:AccumulatorEliteMember ck0001986148:C000247499Member 2024-05-01 2024-05-01 0001986148 ck0001986148:EarningsEnhancementBenefitChargeMember ck0001986148:AccumulatorSelectMember ck0001986148:C000247499Member 2024-05-01 2024-05-01 0001986148 ck0001986148:SingleLifeOptionMember ck0001986148:AccumulatorMember ck0001986148:C000247499Member 2024-05-01 2024-05-01 0001986148 ck0001986148:OneHundredTwentyFivePrincipalGuaranteeBenefitMember ck0001986148:AccumulatorPlusMember ck0001986148:C000247499Member 2024-05-01 2024-05-01 0001986148 ck0001986148:OneHundredTwentyFivePrincipalGuaranteeBenefitMember ck0001986148:AccumulatorEliteMember ck0001986148:C000247499Member 2024-05-01 2024-05-01 0001986148 ck0001986148:OneHundredTwentyFivePrincipalGuaranteeBenefitMember ck0001986148:AccumulatorSelectMember ck0001986148:C000247499Member 2024-05-01 2024-05-01 0001986148 ck0001986148:ModifieddeathbenefitMember ck0001986148:AccumulatorSelectMember ck0001986148:C000247499Member 2024-05-01 2024-05-01 0001986148 ck0001986148:HundredPercentPrincipalGuaranteeBenefitMember ck0001986148:AccumulatorMember ck0001986148:C000247499Member 2024-05-01 2024-05-01 0001986148 ck0001986148:HundredPercentPrincipalGuaranteeBenefitMember ck0001986148:AccumulatorPlusMember ck0001986148:C000247499Member 2024-05-01 2024-05-01 0001986148 ck0001986148:HundredPercentPrincipalGuaranteeBenefitMember ck0001986148:AccumulatorEliteMember ck0001986148:C000247499Member 2024-05-01 2024-05-01 0001986148 ck0001986148:HundredPercentPrincipalGuaranteeBenefitMember ck0001986148:AccumulatorSelectMember ck0001986148:C000247499Member 2024-05-01 2024-05-01 0001986148 ck0001986148:OneHundredTwentyFivePrincipalGuaranteeBenefitMember ck0001986148:AccumulatorMember ck0001986148:C000247499Member 2024-05-01 2024-05-01 0001986148 ck0001986148:GWBLEnhanceddeathbenefitMember ck0001986148:AccumulatorPlusMember ck0001986148:C000247499Member 2024-05-01 2024-05-01 0001986148 ck0001986148:GWBLEnhanceddeathbenefitMember ck0001986148:AccumulatorEliteMember ck0001986148:C000247499Member 2024-05-01 2024-05-01 0001986148 ck0001986148:GWBLEnhanceddeathbenefitMember ck0001986148:AccumulatorSelectMember ck0001986148:C000247499Member 2024-05-01 2024-05-01 0001986148 ck0001986148:ModifieddeathbenefitMember ck0001986148:AccumulatorMember ck0001986148:C000247499Member 2024-05-01 2024-05-01 0001986148 ck0001986148:ModifieddeathbenefitMember ck0001986148:AccumulatorPlusMember ck0001986148:C000247499Member 2024-05-01 2024-05-01 0001986148 ck0001986148:ModifieddeathbenefitMember ck0001986148:AccumulatorEliteMember ck0001986148:C000247499Member 2024-05-01 2024-05-01 0001986148 ck0001986148:AnnualRatchettoage85Member ck0001986148:AccumulatorSelectMember ck0001986148:C000247499Member 2024-05-01 2024-05-01 0001986148 ck0001986148:GreaterOf6AndHalfRollUpToAge85OrAnnualRatchetToAge85Member ck0001986148:AccumulatorMember ck0001986148:C000247499Member 2024-05-01 2024-05-01 0001986148 ck0001986148:GreaterOf6AndHalfRollUpToAge85OrAnnualRatchetToAge85Member ck0001986148:AccumulatorPlusMember ck0001986148:C000247499Member 2024-05-01 2024-05-01 0001986148 ck0001986148:GreaterOf6AndHalfRollUpToAge85OrAnnualRatchetToAge85Member ck0001986148:AccumulatorEliteMember ck0001986148:C000247499Member 2024-05-01 2024-05-01 0001986148 ck0001986148:GreaterOf6AndHalfRollUpToAge85OrAnnualRatchetToAge85Member ck0001986148:AccumulatorSelectMember ck0001986148:C000247499Member 2024-05-01 2024-05-01 0001986148 ck0001986148:GWBLEnhanceddeathbenefitMember ck0001986148:AccumulatorMember ck0001986148:C000247499Member 2024-05-01 2024-05-01 0001986148 vip:StandardDeathBenefitMember ck0001986148:AccumulatorPlusMember ck0001986148:C000247499Member 2024-05-01 2024-05-01 0001986148 vip:StandardDeathBenefitMember ck0001986148:AccumulatorEliteMember ck0001986148:C000247499Member 2024-05-01 2024-05-01 0001986148 vip:StandardDeathBenefitMember ck0001986148:AccumulatorSelectMember ck0001986148:C000247499Member 2024-05-01 2024-05-01 0001986148 ck0001986148:AnnualRatchettoage85Member ck0001986148:AccumulatorMember ck0001986148:C000247499Member 2024-05-01 2024-05-01 0001986148 ck0001986148:AnnualRatchettoage85Member ck0001986148:AccumulatorPlusMember ck0001986148:C000247499Member 2024-05-01 2024-05-01 0001986148 ck0001986148:AnnualRatchettoage85Member ck0001986148:AccumulatorEliteMember ck0001986148:C000247499Member 2024-05-01 2024-05-01 0001986148 ck0001986148:FivePercentGWBAnnualwithdrawaloptionMember ck0001986148:AccumulatorPlusMember ck0001986148:C000247498Member 2024-05-01 2024-05-01 0001986148 ck0001986148:FivePercentGWBAnnualwithdrawaloptionMember ck0001986148:AccumulatorEliteMember ck0001986148:C000247498Member 2024-05-01 2024-05-01 0001986148 ck0001986148:FivePercentGWBAnnualwithdrawaloptionMember ck0001986148:AccumulatorSelectMember ck0001986148:C000247498Member 2024-05-01 2024-05-01 0001986148 ck0001986148:SevenPercentGWBAnnualwithdrawaloptionMember ck0001986148:AccumulatorMember ck0001986148:C000247498Member 2024-05-01 2024-05-01 0001986148 ck0001986148:SevenPercentGWBAnnualwithdrawaloptionMember ck0001986148:AccumulatorPlusMember ck0001986148:C000247498Member 2024-05-01 2024-05-01 0001986148 ck0001986148:SevenPercentGWBAnnualwithdrawaloptionMember ck0001986148:AccumulatorEliteMember ck0001986148:C000247498Member 2024-05-01 2024-05-01 0001986148 ck0001986148:GuaranteedMinimumIncomeBenefitChargeMember ck0001986148:AccumulatorSelectMember ck0001986148:C000247498Member 2024-05-01 2024-05-01 0001986148 ck0001986148:ProtectionPlusSMBenefitChargeMember ck0001986148:AccumulatorMember ck0001986148:C000247498Member 2024-05-01 2024-05-01 0001986148 ck0001986148:ProtectionPlusSMBenefitChargeMember ck0001986148:AccumulatorPlusMember ck0001986148:C000247498Member 2024-05-01 2024-05-01 0001986148 ck0001986148:ProtectionPlusSMBenefitChargeMember ck0001986148:AccumulatorEliteMember ck0001986148:C000247498Member 2024-05-01 2024-05-01 0001986148 ck0001986148:ProtectionPlusSMBenefitChargeMember ck0001986148:AccumulatorSelectMember ck0001986148:C000247498Member 2024-05-01 2024-05-01 0001986148 ck0001986148:FivePercentGWBAnnualwithdrawaloptionMember ck0001986148:AccumulatorMember ck0001986148:C000247498Member 2024-05-01 2024-05-01 0001986148 ck0001986148:GuaranteedPrincipalBenefitChargeForOption2Member ck0001986148:AccumulatorPlusMember ck0001986148:C000247498Member 2024-05-01 2024-05-01 0001986148 ck0001986148:GuaranteedPrincipalBenefitChargeForOption2Member ck0001986148:AccumulatorEliteMember ck0001986148:C000247498Member 2024-05-01 2024-05-01 0001986148 ck0001986148:GuaranteedPrincipalBenefitChargeForOption2Member ck0001986148:AccumulatorSelectMember ck0001986148:C000247498Member 2024-05-01 2024-05-01 0001986148 ck0001986148:GuaranteedMinimumIncomeBenefitChargeMember ck0001986148:AccumulatorMember ck0001986148:C000247498Member 2024-05-01 2024-05-01 0001986148 ck0001986148:GuaranteedMinimumIncomeBenefitChargeMember ck0001986148:AccumulatorPlusMember ck0001986148:C000247498Member 2024-05-01 2024-05-01 0001986148 ck0001986148:GuaranteedMinimumIncomeBenefitChargeMember ck0001986148:AccumulatorEliteMember ck0001986148:C000247498Member 2024-05-01 2024-05-01 0001986148 ck0001986148:GreaterOf6RollUpToAge85OrAnnualRatchetToAge85Member ck0001986148:AccumulatorSelectMember ck0001986148:C000247498Member 2024-05-01 2024-05-01 0001986148 ck0001986148:ModifieddeathbenefitMember ck0001986148:AccumulatorMember ck0001986148:C000247498Member 2024-05-01 2024-05-01 0001986148 ck0001986148:ModifieddeathbenefitMember ck0001986148:AccumulatorPlusMember ck0001986148:C000247498Member 2024-05-01 2024-05-01 0001986148 ck0001986148:ModifieddeathbenefitMember ck0001986148:AccumulatorEliteMember ck0001986148:C000247498Member 2024-05-01 2024-05-01 0001986148 ck0001986148:ModifieddeathbenefitMember ck0001986148:AccumulatorSelectMember ck0001986148:C000247498Member 2024-05-01 2024-05-01 0001986148 ck0001986148:GuaranteedPrincipalBenefitChargeForOption2Member ck0001986148:AccumulatorMember ck0001986148:C000247498Member 2024-05-01 2024-05-01 0001986148 ck0001986148:GreaterOf5RollUpToAge85OrAnnualRatchetToAge85Member ck0001986148:AccumulatorPlusMember ck0001986148:C000247498Member 2024-05-01 2024-05-01 0001986148 ck0001986148:GreaterOf5RollUpToAge85OrAnnualRatchetToAge85Member ck0001986148:AccumulatorEliteMember ck0001986148:C000247498Member 2024-05-01 2024-05-01 0001986148 ck0001986148:GreaterOf5RollUpToAge85OrAnnualRatchetToAge85Member ck0001986148:AccumulatorSelectMember ck0001986148:C000247498Member 2024-05-01 2024-05-01 0001986148 ck0001986148:GreaterOf6RollUpToAge85OrAnnualRatchetToAge85Member ck0001986148:AccumulatorMember ck0001986148:C000247498Member 2024-05-01 2024-05-01 0001986148 ck0001986148:GreaterOf6RollUpToAge85OrAnnualRatchetToAge85Member ck0001986148:AccumulatorPlusMember ck0001986148:C000247498Member 2024-05-01 2024-05-01 0001986148 ck0001986148:GreaterOf6RollUpToAge85OrAnnualRatchetToAge85Member ck0001986148:AccumulatorEliteMember ck0001986148:C000247498Member 2024-05-01 2024-05-01 0001986148 ck0001986148:AnnualRatchettoage85Member ck0001986148:AccumulatorSelectMember ck0001986148:C000247498Member 2024-05-01 2024-05-01 0001986148 ck0001986148:SixPercentRollUpToAge85Member ck0001986148:AccumulatorMember ck0001986148:C000247498Member 2024-05-01 2024-05-01 0001986148 ck0001986148:SixPercentRollUpToAge85Member ck0001986148:AccumulatorPlusMember ck0001986148:C000247498Member 2024-05-01 2024-05-01 0001986148 ck0001986148:SixPercentRollUpToAge85Member ck0001986148:AccumulatorEliteMember ck0001986148:C000247498Member 2024-05-01 2024-05-01 0001986148 ck0001986148:SixPercentRollUpToAge85Member ck0001986148:AccumulatorSelectMember ck0001986148:C000247498Member 2024-05-01 2024-05-01 0001986148 ck0001986148:GreaterOf5RollUpToAge85OrAnnualRatchetToAge85Member ck0001986148:AccumulatorMember ck0001986148:C000247498Member 2024-05-01 2024-05-01 0001986148 vip:StandardDeathBenefitMember ck0001986148:AccumulatorPlusMember ck0001986148:C000247498Member 2024-05-01 2024-05-01 0001986148 vip:StandardDeathBenefitMember ck0001986148:AccumulatorEliteMember ck0001986148:C000247498Member 2024-05-01 2024-05-01 0001986148 vip:StandardDeathBenefitMember ck0001986148:AccumulatorSelectMember ck0001986148:C000247498Member 2024-05-01 2024-05-01 0001986148 ck0001986148:AnnualRatchettoage85Member ck0001986148:AccumulatorMember ck0001986148:C000247498Member 2024-05-01 2024-05-01 0001986148 ck0001986148:AnnualRatchettoage85Member ck0001986148:AccumulatorPlusMember ck0001986148:C000247498Member 2024-05-01 2024-05-01 0001986148 ck0001986148:AnnualRatchettoage85Member ck0001986148:AccumulatorEliteMember ck0001986148:C000247498Member 2024-05-01 2024-05-01 0001986148 ck0001986148:NewGuaranteedwithdrawalbenefitforlifeNewGWBLcharge6Member ck0001986148:AccumulatorMember ck0001986148:C000247500Member 2024-05-01 2024-05-01 0001986148 ck0001986148:NewGuaranteedwithdrawalbenefitforlifeNewGWBLcharge6Member ck0001986148:AccumulatorPlusMember ck0001986148:C000247500Member 2024-05-01 2024-05-01 0001986148 ck0001986148:NewGuaranteedwithdrawalbenefitforlifeNewGWBLcharge6Member ck0001986148:AccumulatorEliteMember ck0001986148:C000247500Member 2024-05-01 2024-05-01 0001986148 ck0001986148:NewGuaranteedwithdrawalbenefitforlifeNewGWBLcharge6Member ck0001986148:AccumulatorSelectMember ck0001986148:C000247500Member 2024-05-01 2024-05-01 0001986148 ck0001986148:GuaranteedPrincipalBenefitChargeForOption2Member ck0001986148:C000247498Member 2024-05-01 2024-05-01 0001986148 ck0001986148:NewGuaranteedWithdrawalBenefitForLifeMember ck0001986148:C000247498Member 2024-05-01 2024-05-01 0001986148 ck0001986148:RebalancingMember ck0001986148:C000247498Member 2024-05-01 2024-05-01 0001986148 ck0001986148:DollarCostAveragingspecialDCAgeneralDCAandInvestmentSimplifierMember ck0001986148:C000247498Member 2024-05-01 2024-05-01 0001986148 ck0001986148:AnnualRatchetToAge80NewYorkAndWashingtonMember ck0001986148:C000247496Member 2024-05-01 2024-05-01 0001986148 vip:StandardDeathBenefitMember ck0001986148:AccumulatorMember ck0001986148:C000247497Member 2024-05-01 2024-05-01 0001986148 ck0001986148:AnnualRatchettoage85Member ck0001986148:C000247497Member 2024-05-01 2024-05-01 0001986148 ck0001986148:AnnualRatchetToAge85NewYorkOnlyMember ck0001986148:C000247497Member 2024-05-01 2024-05-01 0001986148 ck0001986148:HundredPercentPrincipalGuaranteeBenefitMember ck0001986148:AccumulatorSelectMember ck0001986148:C000247497Member 2024-05-01 2024-05-01 0001986148 ck0001986148:OneHundredTwentyFivePrincipalGuaranteeBenefitMember ck0001986148:AccumulatorMember ck0001986148:C000247497Member 2024-05-01 2024-05-01 0001986148 ck0001986148:OneHundredTwentyFivePrincipalGuaranteeBenefitMember ck0001986148:AccumulatorPlusMember ck0001986148:C000247497Member 2024-05-01 2024-05-01 0001986148 ck0001986148:OneHundredTwentyFivePrincipalGuaranteeBenefitMember ck0001986148:AccumulatorEliteMember ck0001986148:C000247497Member 2024-05-01 2024-05-01 0001986148 ck0001986148:OneHundredTwentyFivePrincipalGuaranteeBenefitMember ck0001986148:AccumulatorSelectMember ck0001986148:C000247497Member 2024-05-01 2024-05-01 0001986148 ck0001986148:GuaranteedWithdrawalBenefitForLifeBenefitChargeMember ck0001986148:AccumulatorPlusMember ck0001986148:C000247497Member 2024-05-01 2024-05-01 0001986148 ck0001986148:GuaranteedWithdrawalBenefitForLifeBenefitChargeMember ck0001986148:AccumulatorEliteMember ck0001986148:C000247497Member 2024-05-01 2024-05-01 0001986148 ck0001986148:GuaranteedWithdrawalBenefitForLifeBenefitChargeMember ck0001986148:AccumulatorSelectMember ck0001986148:C000247497Member 2024-05-01 2024-05-01 0001986148 ck0001986148:HundredPercentPrincipalGuaranteeBenefitMember ck0001986148:AccumulatorMember ck0001986148:C000247497Member 2024-05-01 2024-05-01 0001986148 ck0001986148:HundredPercentPrincipalGuaranteeBenefitMember ck0001986148:AccumulatorPlusMember ck0001986148:C000247497Member 2024-05-01 2024-05-01 0001986148 ck0001986148:HundredPercentPrincipalGuaranteeBenefitMember ck0001986148:AccumulatorEliteMember ck0001986148:C000247497Member 2024-05-01 2024-05-01 0001986148 ck0001986148:GuaranteedMinimumIncomeBenefitChargeMember ck0001986148:AccumulatorSelectMember ck0001986148:C000247497Member 2024-05-01 2024-05-01 0001986148 ck0001986148:EarningsEnhancementBenefitForLifeBenefitChargeMember ck0001986148:AccumulatorMember ck0001986148:C000247497Member 2024-05-01 2024-05-01 0001986148 ck0001986148:EarningsEnhancementBenefitForLifeBenefitChargeMember ck0001986148:AccumulatorPlusMember ck0001986148:C000247497Member 2024-05-01 2024-05-01 0001986148 ck0001986148:EarningsEnhancementBenefitForLifeBenefitChargeMember ck0001986148:AccumulatorEliteMember ck0001986148:C000247497Member 2024-05-01 2024-05-01 0001986148 ck0001986148:EarningsEnhancementBenefitForLifeBenefitChargeMember ck0001986148:AccumulatorSelectMember ck0001986148:C000247497Member 2024-05-01 2024-05-01 0001986148 ck0001986148:GuaranteedWithdrawalBenefitForLifeBenefitChargeMember ck0001986148:AccumulatorMember ck0001986148:C000247497Member 2024-05-01 2024-05-01 0001986148 ck0001986148:GreaterOf4RollUpToAge85OrAnnualRatchetToAge85Member ck0001986148:AccumulatorPlusMember ck0001986148:C000247497Member 2024-05-01 2024-05-01 0001986148 ck0001986148:GreaterOf4RollUpToAge85OrAnnualRatchetToAge85Member ck0001986148:AccumulatorEliteMember ck0001986148:C000247497Member 2024-05-01 2024-05-01 0001986148 ck0001986148:GreaterOf4RollUpToAge85OrAnnualRatchetToAge85Member ck0001986148:AccumulatorSelectMember ck0001986148:C000247497Member 2024-05-01 2024-05-01 0001986148 ck0001986148:GuaranteedMinimumIncomeBenefitChargeMember ck0001986148:AccumulatorMember ck0001986148:C000247497Member 2024-05-01 2024-05-01 0001986148 ck0001986148:GuaranteedMinimumIncomeBenefitChargeMember ck0001986148:AccumulatorPlusMember ck0001986148:C000247497Member 2024-05-01 2024-05-01 0001986148 ck0001986148:GuaranteedMinimumIncomeBenefitChargeMember ck0001986148:AccumulatorEliteMember ck0001986148:C000247497Member 2024-05-01 2024-05-01 0001986148 ck0001986148:AnnualRatchettoage85Member ck0001986148:AccumulatorSelectMember ck0001986148:C000247497Member 2024-05-01 2024-05-01 0001986148 ck0001986148:AnnualRatchetToAge85NewYorkOnlyMember ck0001986148:AccumulatorMember ck0001986148:C000247497Member 2024-05-01 2024-05-01 0001986148 ck0001986148:AnnualRatchetToAge85NewYorkOnlyMember ck0001986148:AccumulatorPlusMember ck0001986148:C000247497Member 2024-05-01 2024-05-01 0001986148 ck0001986148:AnnualRatchetToAge85NewYorkOnlyMember ck0001986148:AccumulatorEliteMember ck0001986148:C000247497Member 2024-05-01 2024-05-01 0001986148 ck0001986148:AnnualRatchetToAge85NewYorkOnlyMember ck0001986148:AccumulatorSelectMember ck0001986148:C000247497Member 2024-05-01 2024-05-01 0001986148 ck0001986148:GreaterOf4RollUpToAge85OrAnnualRatchetToAge85Member ck0001986148:AccumulatorMember ck0001986148:C000247497Member 2024-05-01 2024-05-01 0001986148 vip:StandardDeathBenefitMember ck0001986148:AccumulatorPlusMember ck0001986148:C000247497Member 2024-05-01 2024-05-01 0001986148 vip:StandardDeathBenefitMember ck0001986148:AccumulatorEliteMember ck0001986148:C000247497Member 2024-05-01 2024-05-01 0001986148 vip:StandardDeathBenefitMember ck0001986148:AccumulatorSelectMember ck0001986148:C000247497Member 2024-05-01 2024-05-01 0001986148 ck0001986148:AnnualRatchettoage85Member ck0001986148:AccumulatorMember ck0001986148:C000247497Member 2024-05-01 2024-05-01 0001986148 ck0001986148:AnnualRatchettoage85Member ck0001986148:AccumulatorPlusMember ck0001986148:C000247497Member 2024-05-01 2024-05-01 0001986148 ck0001986148:AnnualRatchettoage85Member ck0001986148:AccumulatorEliteMember ck0001986148:C000247497Member 2024-05-01 2024-05-01 0001986148 ck0001986148:AnnualRatchetToAgeEightyMember ck0001986148:AccumulatorMember ck0001986148:C000247496Member 2024-05-01 2024-05-01 0001986148 ck0001986148:AnnualRatchetToAgeEightyMember ck0001986148:AccumulatorPlusMember ck0001986148:C000247496Member 2024-05-01 2024-05-01 0001986148 ck0001986148:AnnualRatchetToAgeEightyMember ck0001986148:AccumulatorEliteMember ck0001986148:C000247496Member 2024-05-01 2024-05-01 0001986148 ck0001986148:AnnualRatchetToAge80NewYorkAndWashingtonMember ck0001986148:AccumulatorEliteMember ck0001986148:C000247496Member 2024-05-01 2024-05-01 0001986148 ck0001986148:AnnualRatchetToAge80NewYorkAndWashingtonMember ck0001986148:AccumulatorPlusMember ck0001986148:C000247496Member 2024-05-01 2024-05-01 0001986148 ck0001986148:AnnualRatchetToAge80NewYorkAndWashingtonMember ck0001986148:AccumulatorMember ck0001986148:C000247496Member 2024-05-01 2024-05-01 0001986148 ck0001986148:EarningsEnhancementBenefitForLifeBenefitChargeMember ck0001986148:C000247496Member 2024-05-01 2024-05-01 0001986148 ck0001986148:AnnualRatchetToAgeEightyMember ck0001986148:C000247496Member 2024-05-01 2024-05-01 0001986148 vip:StandardDeathBenefitMember ck0001986148:AccumulatorMember ck0001986148:C000247500Member 2024-05-01 2024-05-01 0001986148 ck0001986148:AnnualRatchettoage85Member ck0001986148:AccumulatorPlusMember ck0001986148:C000247500Member 2024-05-01 2024-05-01 0001986148 vip:StandardDeathBenefitMember ck0001986148:AccumulatorPlusMember ck0001986148:C000247500Member 2024-05-01 2024-05-01 0001986148 vip:StandardDeathBenefitMember ck0001986148:AccumulatorEliteMember ck0001986148:C000247500Member 2024-05-01 2024-05-01 0001986148 vip:StandardDeathBenefitMember ck0001986148:AccumulatorSelectMember ck0001986148:C000247500Member 2024-05-01 2024-05-01 0001986148 ck0001986148:AnnualRatchettoage85Member ck0001986148:AccumulatorMember ck0001986148:C000247500Member 2024-05-01 2024-05-01 0001986148 ck0001986148:GreaterOf5PercentageRollUpToAge80OrAnnualRatchetToAge80GreaterOfGmdbIiMember ck0001986148:AccumulatorMember ck0001986148:C000247496Member 2024-05-01 2024-05-01 0001986148 ck0001986148:GreaterOf5PercentageRollUpToAge80OrAnnualRatchetToAge80GreaterOfGmdbIMember ck0001986148:AccumulatorSelectMember ck0001986148:C000247496Member 2024-05-01 2024-05-01 0001986148 ck0001986148:GreaterOf5PercentageRollUpToAge80OrAnnualRatchetToAge80GreaterOfGmdbIMember ck0001986148:AccumulatorEliteMember ck0001986148:C000247496Member 2024-05-01 2024-05-01 0001986148 ck0001986148:GreaterOf5PercentageRollUpToAge80OrAnnualRatchetToAge80GreaterOfGmdbIMember ck0001986148:AccumulatorPlusMember ck0001986148:C000247496Member 2024-05-01 2024-05-01 0001986148 ck0001986148:GreaterOf5PercentageRollUpToAge80OrAnnualRatchetToAge80GreaterOfGmdbIMember ck0001986148:AccumulatorMember ck0001986148:C000247496Member 2024-05-01 2024-05-01 0001986148 ck0001986148:AnnualRatchetToAge80NewYorkAndWashingtonMember ck0001986148:AccumulatorSelectMember ck0001986148:C000247496Member 2024-05-01 2024-05-01 0001986148 ck0001986148:GuaranteedMinimumIncomeBenefitIAssetAllocationMember ck0001986148:AccumulatorEliteMember ck0001986148:C000247496Member 2024-05-01 2024-05-01 0001986148 ck0001986148:GuaranteedMinimumIncomeBenefitIAssetAllocationMember ck0001986148:AccumulatorPlusMember ck0001986148:C000247496Member 2024-05-01 2024-05-01 0001986148 ck0001986148:GuaranteedMinimumIncomeBenefitIAssetAllocationMember ck0001986148:AccumulatorMember ck0001986148:C000247496Member 2024-05-01 2024-05-01 0001986148 ck0001986148:GreaterOf5PercentageRollUpToAge80OrAnnualRatchetToAge80GreaterOfGmdbIiMember ck0001986148:AccumulatorSelectMember ck0001986148:C000247496Member 2024-05-01 2024-05-01 0001986148 ck0001986148:GreaterOf5PercentageRollUpToAge80OrAnnualRatchetToAge80GreaterOfGmdbIiMember ck0001986148:AccumulatorEliteMember ck0001986148:C000247496Member 2024-05-01 2024-05-01 0001986148 ck0001986148:GreaterOf5PercentageRollUpToAge80OrAnnualRatchetToAge80GreaterOfGmdbIiMember ck0001986148:AccumulatorPlusMember ck0001986148:C000247496Member 2024-05-01 2024-05-01 0001986148 ck0001986148:ConversionFromGuaranteedMinimumIncomeBenefitIAssetAllocationMember ck0001986148:AccumulatorSelectMember ck0001986148:C000247496Member 2024-05-01 2024-05-01 0001986148 ck0001986148:ConversionFromGuaranteedMinimumIncomeBenefitIICustomSelectionMember ck0001986148:AccumulatorMember ck0001986148:C000247496Member 2024-05-01 2024-05-01 0001986148 ck0001986148:ConversionFromGuaranteedMinimumIncomeBenefitIICustomSelectionMember ck0001986148:AccumulatorPlusMember ck0001986148:C000247496Member 2024-05-01 2024-05-01 0001986148 ck0001986148:ConversionFromGuaranteedMinimumIncomeBenefitIICustomSelectionMember ck0001986148:AccumulatorEliteMember ck0001986148:C000247496Member 2024-05-01 2024-05-01 0001986148 ck0001986148:ConversionFromGuaranteedMinimumIncomeBenefitIICustomSelectionMember ck0001986148:AccumulatorSelectMember ck0001986148:C000247496Member 2024-05-01 2024-05-01 0001986148 ck0001986148:GuaranteedMinimumIncomeBenefitIAssetAllocationMember ck0001986148:AccumulatorSelectMember ck0001986148:C000247496Member 2024-05-01 2024-05-01 0001986148 ck0001986148:EarningsEnhancementBenefitForLifeBenefitChargeMember ck0001986148:AccumulatorPlusMember ck0001986148:C000247496Member 2024-05-01 2024-05-01 0001986148 ck0001986148:EarningsEnhancementBenefitForLifeBenefitChargeMember ck0001986148:AccumulatorEliteMember ck0001986148:C000247496Member 2024-05-01 2024-05-01 0001986148 ck0001986148:EarningsEnhancementBenefitForLifeBenefitChargeMember ck0001986148:AccumulatorSelectMember ck0001986148:C000247496Member 2024-05-01 2024-05-01 0001986148 ck0001986148:ConversionFromGuaranteedMinimumIncomeBenefitIAssetAllocationMember ck0001986148:AccumulatorMember ck0001986148:C000247496Member 2024-05-01 2024-05-01 0001986148 ck0001986148:ConversionFromGuaranteedMinimumIncomeBenefitIAssetAllocationMember ck0001986148:AccumulatorPlusMember ck0001986148:C000247496Member 2024-05-01 2024-05-01 0001986148 ck0001986148:ConversionFromGuaranteedMinimumIncomeBenefitIAssetAllocationMember ck0001986148:AccumulatorEliteMember ck0001986148:C000247496Member 2024-05-01 2024-05-01 0001986148 ck0001986148:AnnualRatchetToAgeEightyMember ck0001986148:AccumulatorSelectMember ck0001986148:C000247496Member 2024-05-01 2024-05-01 0001986148 ck0001986148:GuaranteedMinimumIncomeBenefitIICustomSelectionMember ck0001986148:AccumulatorMember ck0001986148:C000247496Member 2024-05-01 2024-05-01 0001986148 ck0001986148:GuaranteedMinimumIncomeBenefitIICustomSelectionMember ck0001986148:AccumulatorPlusMember ck0001986148:C000247496Member 2024-05-01 2024-05-01 0001986148 ck0001986148:GuaranteedMinimumIncomeBenefitIICustomSelectionMember ck0001986148:AccumulatorEliteMember ck0001986148:C000247496Member 2024-05-01 2024-05-01 0001986148 ck0001986148:GuaranteedMinimumIncomeBenefitIICustomSelectionMember ck0001986148:AccumulatorSelectMember ck0001986148:C000247496Member 2024-05-01 2024-05-01 0001986148 ck0001986148:EarningsEnhancementBenefitForLifeBenefitChargeMember ck0001986148:AccumulatorMember ck0001986148:C000247496Member 2024-05-01 2024-05-01 0001986148 ck0001986148:JointLifeOptionMember ck0001986148:AccumulatorEliteMember ck0001986148:C000247500Member 2024-05-01 2024-05-01 0001986148 ck0001986148:JointLifeOptionMember ck0001986148:AccumulatorSelectMember ck0001986148:C000247500Member 2024-05-01 2024-05-01 0001986148 ck0001986148:NewGuaranteedwithdrawalbenefitforlifeNewGWBLcharge6andhalfMember ck0001986148:AccumulatorMember ck0001986148:C000247500Member 2024-05-01 2024-05-01 0001986148 ck0001986148:NewGuaranteedwithdrawalbenefitforlifeNewGWBLcharge6andhalfMember ck0001986148:AccumulatorPlusMember ck0001986148:C000247500Member 2024-05-01 2024-05-01 0001986148 ck0001986148:NewGuaranteedwithdrawalbenefitforlifeNewGWBLcharge6andhalfMember ck0001986148:AccumulatorEliteMember ck0001986148:C000247500Member 2024-05-01 2024-05-01 0001986148 ck0001986148:NewGuaranteedwithdrawalbenefitforlifeNewGWBLcharge6andhalfMember ck0001986148:AccumulatorSelectMember ck0001986148:C000247500Member 2024-05-01 2024-05-01 0001986148 ck0001986148:SingleLifeOptionMember ck0001986148:AccumulatorMember ck0001986148:C000247500Member 2024-05-01 2024-05-01 0001986148 ck0001986148:SingleLifeOptionMember ck0001986148:AccumulatorPlusMember ck0001986148:C000247500Member 2024-05-01 2024-05-01 0001986148 ck0001986148:SingleLifeOptionMember ck0001986148:AccumulatorEliteMember ck0001986148:C000247500Member 2024-05-01 2024-05-01 0001986148 ck0001986148:SingleLifeOptionMember ck0001986148:AccumulatorSelectMember ck0001986148:C000247500Member 2024-05-01 2024-05-01 0001986148 ck0001986148:JointLifeOptionMember ck0001986148:AccumulatorMember ck0001986148:C000247500Member 2024-05-01 2024-05-01 0001986148 ck0001986148:JointLifeOptionMember ck0001986148:AccumulatorPlusMember ck0001986148:C000247500Member 2024-05-01 2024-05-01 0001986148 ck0001986148:GuaranteedMinimumIncomeBenefitCharge6Member ck0001986148:AccumulatorEliteMember ck0001986148:C000247500Member 2024-05-01 2024-05-01 0001986148 ck0001986148:GuaranteedMinimumIncomeBenefitCharge6Member ck0001986148:AccumulatorSelectMember ck0001986148:C000247500Member 2024-05-01 2024-05-01 0001986148 ck0001986148:EarningsEnhancementBenefitChargeMember ck0001986148:AccumulatorMember ck0001986148:C000247500Member 2024-05-01 2024-05-01 0001986148 ck0001986148:EarningsEnhancementBenefitChargeMember ck0001986148:AccumulatorPlusMember ck0001986148:C000247500Member 2024-05-01 2024-05-01 0001986148 ck0001986148:EarningsEnhancementBenefitChargeMember ck0001986148:AccumulatorEliteMember ck0001986148:C000247500Member 2024-05-01 2024-05-01 0001986148 ck0001986148:EarningsEnhancementBenefitChargeMember ck0001986148:AccumulatorSelectMember ck0001986148:C000247500Member 2024-05-01 2024-05-01 0001986148 ck0001986148:GuaranteedMinimumIncomeBenefitCharge6AndHalfMember ck0001986148:AccumulatorMember ck0001986148:C000247500Member 2024-05-01 2024-05-01 0001986148 ck0001986148:GuaranteedMinimumIncomeBenefitCharge6AndHalfMember ck0001986148:AccumulatorPlusMember ck0001986148:C000247500Member 2024-05-01 2024-05-01 0001986148 ck0001986148:GuaranteedMinimumIncomeBenefitCharge6AndHalfMember ck0001986148:AccumulatorEliteMember ck0001986148:C000247500Member 2024-05-01 2024-05-01 0001986148 ck0001986148:GuaranteedMinimumIncomeBenefitCharge6AndHalfMember ck0001986148:AccumulatorSelectMember ck0001986148:C000247500Member 2024-05-01 2024-05-01 0001986148 ck0001986148:GuaranteedMinimumIncomeBenefitCharge6Member ck0001986148:AccumulatorMember ck0001986148:C000247500Member 2024-05-01 2024-05-01 0001986148 ck0001986148:GuaranteedMinimumIncomeBenefitCharge6Member ck0001986148:AccumulatorPlusMember ck0001986148:C000247500Member 2024-05-01 2024-05-01 0001986148 ck0001986148:HundredPercentPrincipalGuaranteeBenefitMember ck0001986148:AccumulatorEliteMember ck0001986148:C000247500Member 2024-05-01 2024-05-01 0001986148 ck0001986148:HundredPercentPrincipalGuaranteeBenefitMember ck0001986148:AccumulatorSelectMember ck0001986148:C000247500Member 2024-05-01 2024-05-01 0001986148 ck0001986148:OneHundredTwentyFivePrincipalGuaranteeBenefitMember ck0001986148:AccumulatorMember ck0001986148:C000247500Member 2024-05-01 2024-05-01 0001986148 ck0001986148:OneHundredTwentyFivePrincipalGuaranteeBenefitMember ck0001986148:AccumulatorPlusMember ck0001986148:C000247500Member 2024-05-01 2024-05-01 0001986148 ck0001986148:OneHundredTwentyFivePrincipalGuaranteeBenefitMember ck0001986148:AccumulatorEliteMember ck0001986148:C000247500Member 2024-05-01 2024-05-01 0001986148 ck0001986148:OneHundredTwentyFivePrincipalGuaranteeBenefitMember ck0001986148:AccumulatorSelectMember ck0001986148:C000247500Member 2024-05-01 2024-05-01 0001986148 ck0001986148:ModifieddeathbenefitMember ck0001986148:AccumulatorMember ck0001986148:C000247500Member 2024-05-01 2024-05-01 0001986148 ck0001986148:ModifieddeathbenefitMember ck0001986148:AccumulatorPlusMember ck0001986148:C000247500Member 2024-05-01 2024-05-01 0001986148 ck0001986148:ModifieddeathbenefitMember ck0001986148:AccumulatorEliteMember ck0001986148:C000247500Member 2024-05-01 2024-05-01 0001986148 ck0001986148:ModifieddeathbenefitMember ck0001986148:AccumulatorSelectMember ck0001986148:C000247500Member 2024-05-01 2024-05-01 0001986148 ck0001986148:HundredPercentPrincipalGuaranteeBenefitMember ck0001986148:AccumulatorMember ck0001986148:C000247500Member 2024-05-01 2024-05-01 0001986148 ck0001986148:HundredPercentPrincipalGuaranteeBenefitMember ck0001986148:AccumulatorPlusMember ck0001986148:C000247500Member 2024-05-01 2024-05-01 0001986148 ck0001986148:GreaterOf3RollUpToAge85OrAnnualRatchetToAge85Member ck0001986148:AccumulatorEliteMember ck0001986148:C000247500Member 2024-05-01 2024-05-01 0001986148 ck0001986148:GreaterOf3RollUpToAge85OrAnnualRatchetToAge85Member ck0001986148:AccumulatorSelectMember ck0001986148:C000247500Member 2024-05-01 2024-05-01 0001986148 ck0001986148:GWBLEnhanceddeathbenefitMember ck0001986148:AccumulatorMember ck0001986148:C000247500Member 2024-05-01 2024-05-01 0001986148 ck0001986148:GWBLEnhanceddeathbenefitMember ck0001986148:AccumulatorPlusMember ck0001986148:C000247500Member 2024-05-01 2024-05-01 0001986148 ck0001986148:GWBLEnhanceddeathbenefitMember ck0001986148:AccumulatorEliteMember ck0001986148:C000247500Member 2024-05-01 2024-05-01 0001986148 ck0001986148:GWBLEnhanceddeathbenefitMember ck0001986148:AccumulatorSelectMember ck0001986148:C000247500Member 2024-05-01 2024-05-01 0001986148 ck0001986148:GreaterOf6RollUpToAge85OrAnnualRatchetToAge85Member ck0001986148:AccumulatorMember ck0001986148:C000247500Member 2024-05-01 2024-05-01 0001986148 ck0001986148:GreaterOf6RollUpToAge85OrAnnualRatchetToAge85Member ck0001986148:AccumulatorPlusMember ck0001986148:C000247500Member 2024-05-01 2024-05-01 0001986148 ck0001986148:GreaterOf6RollUpToAge85OrAnnualRatchetToAge85Member ck0001986148:AccumulatorEliteMember ck0001986148:C000247500Member 2024-05-01 2024-05-01 0001986148 ck0001986148:GreaterOf6RollUpToAge85OrAnnualRatchetToAge85Member ck0001986148:AccumulatorSelectMember ck0001986148:C000247500Member 2024-05-01 2024-05-01 0001986148 ck0001986148:GreaterOf3RollUpToAge85OrAnnualRatchetToAge85Member ck0001986148:AccumulatorMember ck0001986148:C000247500Member 2024-05-01 2024-05-01 0001986148 ck0001986148:GreaterOf3RollUpToAge85OrAnnualRatchetToAge85Member ck0001986148:AccumulatorPlusMember ck0001986148:C000247500Member 2024-05-01 2024-05-01 0001986148 ck0001986148:AnnualRatchettoage85Member ck0001986148:AccumulatorEliteMember ck0001986148:C000247500Member 2024-05-01 2024-05-01 0001986148 ck0001986148:AnnualRatchettoage85Member ck0001986148:AccumulatorSelectMember ck0001986148:C000247500Member 2024-05-01 2024-05-01 0001986148 ck0001986148:GreaterOf6AndHalfRollUpToAge85OrAnnualRatchetToAge85Member ck0001986148:AccumulatorMember ck0001986148:C000247500Member 2024-05-01 2024-05-01 0001986148 ck0001986148:GreaterOf6AndHalfRollUpToAge85OrAnnualRatchetToAge85Member ck0001986148:AccumulatorPlusMember ck0001986148:C000247500Member 2024-05-01 2024-05-01 0001986148 ck0001986148:GreaterOf6AndHalfRollUpToAge85OrAnnualRatchetToAge85Member ck0001986148:AccumulatorEliteMember ck0001986148:C000247500Member 2024-05-01 2024-05-01 0001986148 ck0001986148:GreaterOf6AndHalfRollUpToAge85OrAnnualRatchetToAge85Member ck0001986148:AccumulatorSelectMember ck0001986148:C000247500Member 2024-05-01 2024-05-01 0001986148 ck0001986148:PrincipalGuaranteeBenefitMember ck0001986148:C000247497Member 2024-05-01 2024-05-01 0001986148 ck0001986148:C000247499Member ck0001986148:PossibleFeesOnAccessToTotalAccountValueMember 2024-05-01 2024-05-01 0001986148 ck0001986148:C000247499Member ck0001986148:PossibleAdverseTaxConsequencesMember 2024-05-01 2024-05-01 0001986148 ck0001986148:C000247499Member ck0001986148:COVID19Member 2024-05-01 2024-05-01 0001986148 ck0001986148:C000247500Member ck0001986148:PossibleFeesOnAccessToTotalAccountValueMember 2024-05-01 2024-05-01 0001986148 ck0001986148:C000247500Member ck0001986148:PossibleAdverseTaxConsequencesMember 2024-05-01 2024-05-01 0001986148 ck0001986148:C000247500Member ck0001986148:FixedMaturityOptionsMember 2024-05-01 2024-05-01 0001986148 ck0001986148:C000247500Member ck0001986148:CybersecurityRisksAndCatastrophicEventsMember 2024-05-01 2024-05-01 0001986148 ck0001986148:C000247500Member ck0001986148:COVID19Member 2024-05-01 2024-05-01 0001986148 ck0001986148:C000247496Member vip:InvestmentOptionsRiskMember 2024-05-01 2024-05-01 0001986148 ck0001986148:C000247496Member ck0001986148:PossibleFeesOnAccessToTotalAccountValueMember 2024-05-01 2024-05-01 0001986148 ck0001986148:C000247496Member ck0001986148:PossibleAdverseTaxConsequencesMember 2024-05-01 2024-05-01 0001986148 ck0001986148:C000247496Member ck0001986148:OptionalBenefitsMember 2024-05-01 2024-05-01 0001986148 ck0001986148:C000247496Member ck0001986148:AccumulatorPlusSMContractsMember 2024-05-01 2024-05-01 0001986148 ck0001986148:C000247496Member ck0001986148:LimitationsOnAccessToCashValueThroughWithdrawalsMember 2024-05-01 2024-05-01 0001986148 ck0001986148:C000247496Member ck0001986148:CybersecurityRisksAndCatastrophicEventsMember 2024-05-01 2024-05-01 0001986148 ck0001986148:C000247496Member ck0001986148:COVID19Member 2024-05-01 2024-05-01 0001986148 ck0001986148:C000247500Member ck0001986148:OptionalBenefitsMember 2024-05-01 2024-05-01 0001986148 ck0001986148:C000247500Member ck0001986148:AccumulatorPlusSMContractsMember 2024-05-01 2024-05-01 0001986148 ck0001986148:C000247500Member ck0001986148:LimitationsOnAccessToCashValueThroughWithdrawalsMember 2024-05-01 2024-05-01 0001986148 ck0001986148:C000247497Member ck0001986148:PossibleAdverseTaxConsequencesMember 2024-05-01 2024-05-01 0001986148 ck0001986148:C000247498Member ck0001986148:PossibleFeesOnAccessToTotalAccountValueMember 2024-05-01 2024-05-01 0001986148 ck0001986148:C000247498Member ck0001986148:PossibleAdverseTaxConsequencesMember 2024-05-01 2024-05-01 0001986148 ck0001986148:C000247498Member ck0001986148:COVID19Member 2024-05-01 2024-05-01 0001986148 ck0001986148:C000247498Member ck0001986148:OptionalBenefitsMember 2024-05-01 2024-05-01 0001986148 ck0001986148:C000247498Member ck0001986148:AccumulatorPlusSMContractsMember 2024-05-01 2024-05-01 0001986148 ck0001986148:C000247498Member ck0001986148:LimitationsOnAccessToCashValueThroughWithdrawalsMember 2024-05-01 2024-05-01 0001986148 ck0001986148:C000247498Member ck0001986148:FixedMaturityOptionsMember 2024-05-01 2024-05-01 0001986148 ck0001986148:C000247498Member ck0001986148:CybersecurityRisksAndCatastrophicEventsMember 2024-05-01 2024-05-01 0001986148 ck0001986148:C000247497Member ck0001986148:LimitationsOnAccessToCashValueThroughWithdrawalsMember 2024-05-01 2024-05-01 0001986148 ck0001986148:C000247497Member ck0001986148:CybersecurityRisksAndCatastrophicEventsMember 2024-05-01 2024-05-01 0001986148 ck0001986148:C000247497Member ck0001986148:COVID19Member 2024-05-01 2024-05-01 0001986148 ck0001986148:C000247497Member ck0001986148:AccumulatorPlusSMContractsMember 2024-05-01 2024-05-01 0001986148 ck0001986148:C000247497Member ck0001986148:OptionalBenefitsMember 2024-05-01 2024-05-01 0001986148 ck0001986148:C000247497Member ck0001986148:PossibleFeesOnAccessToTotalAccountValueMember 2024-05-01 2024-05-01 0001986148 ck0001986148:C000247499Member ck0001986148:OptionalBenefitsMember 2024-05-01 2024-05-01 0001986148 ck0001986148:C000247499Member ck0001986148:AccumulatorPlusSMContractsMember 2024-05-01 2024-05-01 0001986148 ck0001986148:C000247499Member ck0001986148:LimitationsOnAccessToCashValueThroughWithdrawalsMember 2024-05-01 2024-05-01 0001986148 ck0001986148:C000247499Member ck0001986148:FixedMaturityOptionsMember 2024-05-01 2024-05-01 0001986148 ck0001986148:C000247499Member ck0001986148:CybersecurityRisksAndCatastrophicEventsMember 2024-05-01 2024-05-01 0001986148 vip:StandardDeathBenefitMember ck0001986148:C000247498Member 2024-05-01 2024-05-01 0001986148 vip:StandardDeathBenefitMember ck0001986148:C000247499Member 2024-05-01 2024-05-01 0001986148 ck0001986148:GreaterOf6RollUpToAge85OrAnnualRatchetToAge85Member ck0001986148:C000247499Member 2024-05-01 2024-05-01 0001986148 ck0001986148:AnnualRatchettoage85Member ck0001986148:C000247499Member 2024-05-01 2024-05-01 0001986148 ck0001986148:GWBLEnhanceddeathbenefitMember ck0001986148:C000247499Member 2024-05-01 2024-05-01 0001986148 ck0001986148:PrincipalProtectorBenefitMember ck0001986148:C000247498Member 2024-05-01 2024-05-01 0001986148 ck0001986148:ProtectionPlusSMBenefitChargeMember ck0001986148:C000247498Member 2024-05-01 2024-05-01 0001986148 vip:StandardDeathBenefitMember ck0001986148:C000247497Member 2024-05-01 2024-05-01 0001986148 vip:StandardDeathBenefitMember ck0001986148:C000247500Member 2024-05-01 2024-05-01 0001986148 ck0001986148:AnnualRatchettoage85Member ck0001986148:C000247500Member 2024-05-01 2024-05-01 0001986148 ck0001986148:GreaterOf6AndHalfRollUpToAge85OrAnnualRatchetToAge85Member ck0001986148:C000247500Member 2024-05-01 2024-05-01 0001986148 ck0001986148:GreaterOf6RollUpToAge85OrAnnualRatchetToAge85Member ck0001986148:C000247500Member 2024-05-01 2024-05-01 0001986148 vip:StandardDeathBenefitMember ck0001986148:C000247496Member 2024-05-01 2024-05-01 0001986148 ck0001986148:GreaterOf3RollUpToAge85OrAnnualRatchetToAge85Member ck0001986148:C000247500Member 2024-05-01 2024-05-01 0001986148 ck0001986148:EarningsEnhancementBenefitChargeMember ck0001986148:C000247500Member 2024-05-01 2024-05-01 0001986148 ck0001986148:GuaranteedWithdrawalBenefitForLifeBenefitChargeMember ck0001986148:C000247500Member 2024-05-01 2024-05-01 0001986148 ck0001986148:GuaranteedWithdrawalBenefitForLifeMember ck0001986148:C000247500Member 2024-05-01 2024-05-01 0001986148 ck0001986148:NewGuaranteedWithdrawalBenefitForLifeMember ck0001986148:C000247500Member 2024-05-01 2024-05-01 0001986148 ck0001986148:RebalancingsMember ck0001986148:C000247500Member 2024-05-01 2024-05-01 0001986148 ck0001986148:DollarCostAveragingSpecialDCAGeneralDCAAndInvestmentSimpliferMember ck0001986148:C000247500Member 2024-05-01 2024-05-01 0001986148 ck0001986148:GWBLEnhanceddeathbenefitMember ck0001986148:C000247500Member 2024-05-01 2024-05-01 0001986148 ck0001986148:ModifieddeathbenefitMember ck0001986148:C000247500Member 2024-05-01 2024-05-01 0001986148 ck0001986148:HundredPercentagePrincipalGuaranteeBenefitMember ck0001986148:C000247500Member 2024-05-01 2024-05-01 0001986148 ck0001986148:OneHundredTwentyFivePercentagePrincipalGuaranteeBenefitMember ck0001986148:C000247500Member 2024-05-01 2024-05-01 0001986148 ck0001986148:GuaranteedMinimumIncomeBenefitCharge6AndHalfMember ck0001986148:C000247500Member 2024-05-01 2024-05-01 0001986148 ck0001986148:GuaranteedMinimumIncomeBenefitCharge6Member ck0001986148:C000247500Member 2024-05-01 2024-05-01 0001986148 ck0001986148:ModifieddeathbenefitMember ck0001986148:C000247499Member 2024-05-01 2024-05-01 0001986148 ck0001986148:GuaranteedWithdrawalBenefitForLifeJointMember ck0001986148:C000247499Member 2024-05-01 2024-05-01 0001986148 ck0001986148:NewGuaranteedWithdrawalBenefitForLifeMember ck0001986148:C000247499Member 2024-05-01 2024-05-01 0001986148 ck0001986148:RebalancingMember ck0001986148:C000247499Member 2024-05-01 2024-05-01 0001986148 ck0001986148:DollarCostAveragingspecialDCAgeneralDCAandInvestmentSimplifierMember ck0001986148:C000247499Member 2024-05-01 2024-05-01 0001986148 ck0001986148:HundredPercentPrincipalGuaranteeBenefitMember ck0001986148:C000247499Member 2024-05-01 2024-05-01 0001986148 ck0001986148:OneHundredTwentyFivePrincipalGuaranteeBenefitMember ck0001986148:C000247499Member 2024-05-01 2024-05-01 0001986148 ck0001986148:GuaranteedMinimumIncomeBenefitMember ck0001986148:C000247499Member 2024-05-01 2024-05-01 0001986148 ck0001986148:EarningsEnhancementsMember ck0001986148:C000247499Member 2024-05-01 2024-05-01 0001986148 ck0001986148:GuaranteedWithdrawalBenefitForLifeSingleMember ck0001986148:C000247499Member 2024-05-01 2024-05-01 0001986148 ck0001986148:C000247499Member ck0001986148:EqlargeCapCoreManagedVolatilityMember 2024-05-01 2024-05-01 0001986148 ck0001986148:C000247499Member ck0001986148:EqlargeCapGrowthIndexMember 2024-05-01 2024-05-01 0001986148 ck0001986148:C000247499Member ck0001986148:EqlargeCapGrowthManagedVolatilityMember 2024-05-01 2024-05-01 0001986148 ck0001986148:C000247499Member ck0001986148:EqmoneyMarketMember 2024-05-01 2024-05-01 0001986148 ck0001986148:C000247499Member ck0001986148:EqqualityBondPlusMember 2024-05-01 2024-05-01 0001986148 ck0001986148:C000247499Member ck0001986148:EqsmallCompanyIndexMember 2024-05-01 2024-05-01 0001986148 ck0001986148:C000247499Member ck0001986148:MultimanagerTechnologyMember 2024-05-01 2024-05-01 0001986148 ck0001986148:C000247497Member ck0001986148:EqlargeCapValueIndexMember 2024-05-01 2024-05-01 0001986148 ck0001986148:C000247497Member ck0001986148:EqlargeCapValueManagedVolatilityMember 2024-05-01 2024-05-01 0001986148 ck0001986148:C000247497Member ck0001986148:EqmidCapIndexMember 2024-05-01 2024-05-01 0001986148 ck0001986148:C000247497Member ck0001986148:EqmidCapValueManagedVolatilityMember 2024-05-01 2024-05-01 0001986148 ck0001986148:C000247497Member ck0001986148:EQModerateAllocationMember 2024-05-01 2024-05-01 0001986148 ck0001986148:C000247497Member ck0001986148:EqmoneyMarketMember 2024-05-01 2024-05-01 0001986148 ck0001986148:C000247497Member ck0001986148:EqqualityBondPlusMember 2024-05-01 2024-05-01 0001986148 ck0001986148:C000247497Member ck0001986148:EqsmallCompanyIndexMember 2024-05-01 2024-05-01 0001986148 ck0001986148:C000247497Member ck0001986148:MultimanagerTechnologyMember 2024-05-01 2024-05-01 0001986148 ck0001986148:C000247497Member ck0001986148:EQClearBridgeSelectEquityManagedVolatilityMember 2024-05-01 2024-05-01 0001986148 ck0001986148:C000247497Member ck0001986148:EqbalancedStrategyMember 2024-05-01 2024-05-01 0001986148 ck0001986148:C000247497Member ck0001986148:EqaggressiveGrowthStrategyMember 2024-05-01 2024-05-01 0001986148 ck0001986148:C000247497Member ck0001986148:EQAggressiveAllocationMember 2024-05-01 2024-05-01 0001986148 ck0001986148:C000247497Member ck0001986148:OneThousandTwoHundredAndNinetyVTGAMCOMergersAcquisitionsMember 2024-05-01 2024-05-01 0001986148 ck0001986148:C000247497Member ck0001986148:OneThousandTwoHundredAndNinetyVtGamcoSmallCompanyValueMember 2024-05-01 2024-05-01 0001986148 ck0001986148:C000247497Member ck0001986148:OneThousandTwoHundredAndNinetyVtSmartbetaEquityEsgMember 2024-05-01 2024-05-01 0001986148 ck0001986148:C000247497Member ck0001986148:EQ2000ManagedVolatilityMember 2024-05-01 2024-05-01 0001986148 ck0001986148:C000247497Member ck0001986148:EQ400ManagedVolatilityMember 2024-05-01 2024-05-01 0001986148 ck0001986148:C000247497Member ck0001986148:EqlargeCapGrowthIndexMember 2024-05-01 2024-05-01 0001986148 ck0001986148:C000247497Member ck0001986148:EqlargeCapCoreManagedVolatilityMember 2024-05-01 2024-05-01 0001986148 ck0001986148:C000247497Member ck0001986148:EqfranklinSmallCapValueManagedVolatilityMember 2024-05-01 2024-05-01 0001986148 ck0001986148:C000247497Member ck0001986148:Eqequity500IndexMember 2024-05-01 2024-05-01 0001986148 ck0001986148:C000247497Member ck0001986148:EqcoreBondIndexMember 2024-05-01 2024-05-01 0001986148 ck0001986148:C000247497Member ck0001986148:EQConservativePlusAllocationMember 2024-05-01 2024-05-01 0001986148 ck0001986148:C000247497Member ck0001986148:EQConservativeAllocationMember 2024-05-01 2024-05-01 0001986148 ck0001986148:C000247497Member ck0001986148:EqcommonStockIndexMember 2024-05-01 2024-05-01 0001986148 ck0001986148:C000247497Member ck0001986148:EqjanusEnterpriseMember 2024-05-01 2024-05-01 0001986148 ck0001986148:C000247497Member ck0001986148:EqinternationalValueManagedVolatilityMember 2024-05-01 2024-05-01 0001986148 ck0001986148:C000247497Member ck0001986148:EqinternationalEquityIndexMember 2024-05-01 2024-05-01 0001986148 ck0001986148:C000247497Member ck0001986148:EqinternationalCoreManagedVolatilityMember 2024-05-01 2024-05-01 0001986148 ck0001986148:C000247497Member ck0001986148:EqintermediateGovernmentBondMember 2024-05-01 2024-05-01 0001986148 ck0001986148:C000247497Member ck0001986148:EqglobalEquityManagedVolatilityMember 2024-05-01 2024-05-01 0001986148 ck0001986148:C000247497Member ck0001986148:EQABShortDurationGovernmentBondMember 2024-05-01 2024-05-01 0001986148 ck0001986148:C000247497Member ck0001986148:EqabSmallCapGrowthMember 2024-05-01 2024-05-01 0001986148 ck0001986148:C000247499Member ck0001986148:EqglobalEquityManagedVolatilityMember 2024-05-01 2024-05-01 0001986148 ck0001986148:C000247499Member ck0001986148:EqintermediateGovernmentBondMember 2024-05-01 2024-05-01 0001986148 ck0001986148:C000247499Member ck0001986148:EqinternationalCoreManagedVolatilityMember 2024-05-01 2024-05-01 0001986148 ck0001986148:C000247499Member ck0001986148:EqinternationalEquityIndexMember 2024-05-01 2024-05-01 0001986148 ck0001986148:C000247499Member ck0001986148:EqinternationalValueManagedVolatilityMember 2024-05-01 2024-05-01 0001986148 ck0001986148:C000247499Member ck0001986148:EqjanusEnterpriseMember 2024-05-01 2024-05-01 0001986148 ck0001986148:C000247499Member ck0001986148:EqcommonStockIndexMember 2024-05-01 2024-05-01 0001986148 ck0001986148:C000247499Member ck0001986148:EQConservativeAllocationMember 2024-05-01 2024-05-01 0001986148 ck0001986148:C000247499Member ck0001986148:EQConservativePlusAllocationMember 2024-05-01 2024-05-01 0001986148 ck0001986148:C000247499Member ck0001986148:EqcoreBondIndexMember 2024-05-01 2024-05-01 0001986148 ck0001986148:C000247499Member ck0001986148:Eqequity500IndexMember 2024-05-01 2024-05-01 0001986148 ck0001986148:C000247499Member ck0001986148:EqfranklinSmallCapValueManagedVolatilityMember 2024-05-01 2024-05-01 0001986148 ck0001986148:C000247499Member ck0001986148:EQABShortDurationGovernmentBondMember 2024-05-01 2024-05-01 0001986148 ck0001986148:C000247499Member ck0001986148:EqabSmallCapGrowthMember 2024-05-01 2024-05-01 0001986148 ck0001986148:C000247499Member ck0001986148:EQAggressiveAllocationMember 2024-05-01 2024-05-01 0001986148 ck0001986148:C000247499Member ck0001986148:EqaggressiveGrowthStrategyMember 2024-05-01 2024-05-01 0001986148 ck0001986148:C000247499Member ck0001986148:EqbalancedStrategyMember 2024-05-01 2024-05-01 0001986148 ck0001986148:C000247499Member ck0001986148:EQClearBridgeSelectEquityManagedVolatilityMember 2024-05-01 2024-05-01 0001986148 ck0001986148:C000247499Member ck0001986148:OneThousandTwoHundredAndNinetyVTGAMCOMergersAcquisitionsMember 2024-05-01 2024-05-01 0001986148 ck0001986148:C000247499Member ck0001986148:OneThousandTwoHundredAndNinetyVtGamcoSmallCompanyValueMember 2024-05-01 2024-05-01 0001986148 ck0001986148:C000247499Member ck0001986148:OneThousandTwoHundredAndNinetyVtSmartbetaEquityEsgMember 2024-05-01 2024-05-01 0001986148 ck0001986148:C000247499Member ck0001986148:OneThousandTwoHundredAndNinetyVtSociallyResponsibleMember 2024-05-01 2024-05-01 0001986148 ck0001986148:C000247499Member ck0001986148:EQ2000ManagedVolatilityMember 2024-05-01 2024-05-01 0001986148 ck0001986148:C000247499Member ck0001986148:EQ400ManagedVolatilityMember 2024-05-01 2024-05-01 0001986148 ck0001986148:C000247497Member ck0001986148:EQModeratePlusAllocationMember 2024-05-01 2024-05-01 0001986148 ck0001986148:C000247497Member ck0001986148:EqlargeCapGrowthManagedVolatilityMember 2024-05-01 2024-05-01 0001986148 ck0001986148:C000247499Member ck0001986148:EqlargeCapValueIndexMember 2024-05-01 2024-05-01 0001986148 ck0001986148:C000247499Member ck0001986148:EqlargeCapValueManagedVolatilityMember 2024-05-01 2024-05-01 0001986148 ck0001986148:C000247499Member ck0001986148:EqmidCapIndexMember 2024-05-01 2024-05-01 0001986148 ck0001986148:C000247499Member ck0001986148:EqmidCapValueManagedVolatilityMember 2024-05-01 2024-05-01 0001986148 ck0001986148:C000247499Member ck0001986148:EQModerateAllocationMember 2024-05-01 2024-05-01 0001986148 ck0001986148:C000247499Member ck0001986148:EQModeratePlusAllocationMember 2024-05-01 2024-05-01 0001986148 ck0001986148:C000247498Member ck0001986148:EqsmallCompanyIndexMember 2024-05-01 2024-05-01 0001986148 ck0001986148:C000247498Member ck0001986148:MultimanagerTechnologyMember 2024-05-01 2024-05-01 0001986148 ck0001986148:C000247498Member ck0001986148:EqlargeCapValueIndexMember 2024-05-01 2024-05-01 0001986148 ck0001986148:C000247498Member ck0001986148:EqlargeCapValueManagedVolatilityMember 2024-05-01 2024-05-01 0001986148 ck0001986148:C000247498Member ck0001986148:EqmidCapIndexMember 2024-05-01 2024-05-01 0001986148 ck0001986148:C000247498Member ck0001986148:EqmidCapValueManagedVolatilityMember 2024-05-01 2024-05-01 0001986148 ck0001986148:C000247498Member ck0001986148:EQModerateAllocationMember 2024-05-01 2024-05-01 0001986148 ck0001986148:C000247498Member ck0001986148:EQModeratePlusAllocationMember 2024-05-01 2024-05-01 0001986148 ck0001986148:C000247498Member ck0001986148:EqmoneyMarketMember 2024-05-01 2024-05-01 0001986148 ck0001986148:C000247498Member ck0001986148:EqqualityBondPlusMember 2024-05-01 2024-05-01 0001986148 ck0001986148:C000247498Member ck0001986148:EqlargeCapCoreManagedVolatilityMember 2024-05-01 2024-05-01 0001986148 ck0001986148:C000247498Member ck0001986148:EqlargeCapGrowthIndexMember 2024-05-01 2024-05-01 0001986148 ck0001986148:C000247498Member ck0001986148:EqlargeCapGrowthManagedVolatilityMember 2024-05-01 2024-05-01 0001986148 ck0001986148:C000247496Member ck0001986148:MultimanagerTechnologyMember 2024-05-01 2024-05-01 0001986148 ck0001986148:C000247498Member ck0001986148:EqglobalEquityManagedVolatilityMember 2024-05-01 2024-05-01 0001986148 ck0001986148:C000247498Member ck0001986148:EqintermediateGovernmentBondMember 2024-05-01 2024-05-01 0001986148 ck0001986148:C000247498Member ck0001986148:EqinternationalCoreManagedVolatilityMember 2024-05-01 2024-05-01 0001986148 ck0001986148:C000247498Member ck0001986148:EqinternationalEquityIndexMember 2024-05-01 2024-05-01 0001986148 ck0001986148:C000247498Member ck0001986148:EqinternationalValueManagedVolatilityMember 2024-05-01 2024-05-01 0001986148 ck0001986148:C000247498Member ck0001986148:EqjanusEnterpriseMember 2024-05-01 2024-05-01 0001986148 ck0001986148:C000247498Member ck0001986148:EqcommonStockIndexMember 2024-05-01 2024-05-01 0001986148 ck0001986148:C000247498Member ck0001986148:EQConservativeAllocationMember 2024-05-01 2024-05-01 0001986148 ck0001986148:C000247498Member ck0001986148:EQConservativePlusAllocationMember 2024-05-01 2024-05-01 0001986148 ck0001986148:C000247498Member ck0001986148:EqcoreBondIndexMember 2024-05-01 2024-05-01 0001986148 ck0001986148:C000247498Member ck0001986148:Eqequity500IndexMember 2024-05-01 2024-05-01 0001986148 ck0001986148:C000247498Member ck0001986148:EqfranklinSmallCapValueManagedVolatilityMember 2024-05-01 2024-05-01 0001986148 ck0001986148:C000247498Member ck0001986148:EQABShortDurationGovernmentBondMember 2024-05-01 2024-05-01 0001986148 ck0001986148:C000247498Member ck0001986148:EqabSmallCapGrowthMember 2024-05-01 2024-05-01 0001986148 ck0001986148:C000247498Member ck0001986148:EQAggressiveAllocationMember 2024-05-01 2024-05-01 0001986148 ck0001986148:C000247498Member ck0001986148:EqaggressiveGrowthStrategyMember 2024-05-01 2024-05-01 0001986148 ck0001986148:C000247498Member ck0001986148:EqbalancedStrategyMember 2024-05-01 2024-05-01 0001986148 ck0001986148:C000247498Member ck0001986148:EQClearBridgeSelectEquityManagedVolatilityMember 2024-05-01 2024-05-01 0001986148 ck0001986148:C000247498Member ck0001986148:OneThousandTwoHundredAndNinetyVTGAMCOMergersAcquisitionsMember 2024-05-01 2024-05-01 0001986148 ck0001986148:C000247498Member ck0001986148:OneThousandTwoHundredAndNinetyVtGamcoSmallCompanyValueMember 2024-05-01 2024-05-01 0001986148 ck0001986148:C000247498Member ck0001986148:OneThousandTwoHundredAndNinetyVtSmartbetaEquityEsgMember 2024-05-01 2024-05-01 0001986148 ck0001986148:C000247498Member ck0001986148:OneThousandTwoHundredAndNinetyVtSociallyResponsibleMember 2024-05-01 2024-05-01 0001986148 ck0001986148:C000247498Member ck0001986148:EQ2000ManagedVolatilityMember 2024-05-01 2024-05-01 0001986148 ck0001986148:C000247498Member ck0001986148:EQ400ManagedVolatilityMember 2024-05-01 2024-05-01 0001986148 ck0001986148:C000247496Member ck0001986148:EqlargeCapValueIndexMember 2024-05-01 2024-05-01 0001986148 ck0001986148:C000247500Member ck0001986148:EqinternationalEquityIndexMember 2024-05-01 2024-05-01 0001986148 ck0001986148:C000247500Member ck0001986148:EqinternationalValueManagedVolatilityMember 2024-05-01 2024-05-01 0001986148 ck0001986148:C000247500Member ck0001986148:EqjanusEnterpriseMember 2024-05-01 2024-05-01 0001986148 ck0001986148:C000247500Member ck0001986148:EqlargeCapCoreManagedVolatilityMember 2024-05-01 2024-05-01 0001986148 ck0001986148:C000247500Member ck0001986148:EqlargeCapGrowthIndexMember 2024-05-01 2024-05-01 0001986148 ck0001986148:C000247500Member ck0001986148:EqlargeCapGrowthManagedVolatilityMember 2024-05-01 2024-05-01 0001986148 ck0001986148:C000247500Member ck0001986148:EqcoreBondIndexMember 2024-05-01 2024-05-01 0001986148 ck0001986148:C000247500Member ck0001986148:Eqequity500IndexMember 2024-05-01 2024-05-01 0001986148 ck0001986148:C000247500Member ck0001986148:EqfranklinSmallCapValueManagedVolatilityMember 2024-05-01 2024-05-01 0001986148 ck0001986148:C000247500Member ck0001986148:EqglobalEquityManagedVolatilityMember 2024-05-01 2024-05-01 0001986148 ck0001986148:C000247500Member ck0001986148:EqintermediateGovernmentBondMember 2024-05-01 2024-05-01 0001986148 ck0001986148:C000247500Member ck0001986148:EqinternationalCoreManagedVolatilityMember 2024-05-01 2024-05-01 0001986148 ck0001986148:C000247500Member ck0001986148:EqaggressiveGrowthStrategyMember 2024-05-01 2024-05-01 0001986148 ck0001986148:C000247500Member ck0001986148:EqbalancedStrategyMember 2024-05-01 2024-05-01 0001986148 ck0001986148:C000247500Member ck0001986148:EQClearBridgeSelectEquityManagedVolatilityMember 2024-05-01 2024-05-01 0001986148 ck0001986148:C000247500Member ck0001986148:EqcommonStockIndexMember 2024-05-01 2024-05-01 0001986148 ck0001986148:C000247500Member ck0001986148:EQConservativeAllocationMember 2024-05-01 2024-05-01 0001986148 ck0001986148:C000247500Member ck0001986148:EQConservativePlusAllocationMember 2024-05-01 2024-05-01 0001986148 ck0001986148:C000247500Member ck0001986148:OneThousandTwoHundredAndNinetyVtSociallyResponsibleMember 2024-05-01 2024-05-01 0001986148 ck0001986148:C000247500Member ck0001986148:EQ2000ManagedVolatilityMember 2024-05-01 2024-05-01 0001986148 ck0001986148:C000247500Member ck0001986148:EQ400ManagedVolatilityMember 2024-05-01 2024-05-01 0001986148 ck0001986148:C000247500Member ck0001986148:EQABShortDurationGovernmentBondMember 2024-05-01 2024-05-01 0001986148 ck0001986148:C000247500Member ck0001986148:EqabSmallCapGrowthMember 2024-05-01 2024-05-01 0001986148 ck0001986148:C000247500Member ck0001986148:EQAggressiveAllocationMember 2024-05-01 2024-05-01 0001986148 ck0001986148:C000247500Member ck0001986148:OneThousandTwoHundredAndNinetyVTGAMCOMergersAcquisitionsMember 2024-05-01 2024-05-01 0001986148 ck0001986148:C000247500Member ck0001986148:OneThousandTwoHundredAndNinetyVtGamcoSmallCompanyValueMember 2024-05-01 2024-05-01 0001986148 ck0001986148:C000247500Member ck0001986148:OneThousandTwoHundredAndNinetyVtSmartbetaEquityEsgMember 2024-05-01 2024-05-01 0001986148 ck0001986148:C000247496Member ck0001986148:EqmoderateGrowthStrategyMember 2024-05-01 2024-05-01 0001986148 ck0001986148:C000247496Member ck0001986148:EqmoneyMarketMember 2024-05-01 2024-05-01 0001986148 ck0001986148:C000247496Member ck0001986148:EqqualityBondPlusMember 2024-05-01 2024-05-01 0001986148 ck0001986148:C000247496Member ck0001986148:EqsmallCompanyIndexMember 2024-05-01 2024-05-01 0001986148 ck0001986148:C000247496Member ck0001986148:OneThousandTwoHundredAndNinetyVtSmartbetaEquityEsgMember 2024-05-01 2024-05-01 0001986148 ck0001986148:C000247496Member ck0001986148:OneThousandTwoHundredAndNinetyVtSociallyResponsibleMember 2024-05-01 2024-05-01 0001986148 ck0001986148:C000247496Member ck0001986148:EQ2000ManagedVolatilityMember 2024-05-01 2024-05-01 0001986148 ck0001986148:C000247496Member ck0001986148:EQ400ManagedVolatilityMember 2024-05-01 2024-05-01 0001986148 ck0001986148:C000247496Member ck0001986148:EqabSmallCapGrowthMember 2024-05-01 2024-05-01 0001986148 ck0001986148:C000247496Member ck0001986148:EqlargeCapValueManagedVolatilityMember 2024-05-01 2024-05-01 0001986148 ck0001986148:C000247496Member ck0001986148:EqmidCapIndexMember 2024-05-01 2024-05-01 0001986148 ck0001986148:C000247496Member ck0001986148:EqmidCapValueManagedVolatilityMember 2024-05-01 2024-05-01 0001986148 ck0001986148:C000247496Member ck0001986148:EqinternationalEquityIndexMember 2024-05-01 2024-05-01 0001986148 ck0001986148:C000247496Member ck0001986148:EqinternationalValueManagedVolatilityMember 2024-05-01 2024-05-01 0001986148 ck0001986148:C000247496Member ck0001986148:EqjanusEnterpriseMember 2024-05-01 2024-05-01 0001986148 ck0001986148:C000247496Member ck0001986148:EqlargeCapCoreManagedVolatilityMember 2024-05-01 2024-05-01 0001986148 ck0001986148:C000247496Member ck0001986148:EqlargeCapGrowthIndexMember 2024-05-01 2024-05-01 0001986148 ck0001986148:C000247496Member ck0001986148:EqlargeCapGrowthManagedVolatilityMember 2024-05-01 2024-05-01 0001986148 ck0001986148:C000247496Member ck0001986148:Eqequity500IndexMember 2024-05-01 2024-05-01 0001986148 ck0001986148:C000247496Member ck0001986148:EqfranklinSmallCapValueManagedVolatilityMember 2024-05-01 2024-05-01 0001986148 ck0001986148:C000247496Member ck0001986148:EqglobalEquityManagedVolatilityMember 2024-05-01 2024-05-01 0001986148 ck0001986148:C000247496Member ck0001986148:EqgrowthStrategyMember 2024-05-01 2024-05-01 0001986148 ck0001986148:C000247496Member ck0001986148:EqintermediateGovernmentBondMember 2024-05-01 2024-05-01 0001986148 ck0001986148:C000247496Member ck0001986148:EqinternationalCoreManagedVolatilityMember 2024-05-01 2024-05-01 0001986148 ck0001986148:C000247496Member ck0001986148:EqaggressiveGrowthStrategyMember 2024-05-01 2024-05-01 0001986148 ck0001986148:C000247496Member ck0001986148:EqbalancedStrategyMember 2024-05-01 2024-05-01 0001986148 ck0001986148:C000247496Member ck0001986148:EqcommonStockIndexMember 2024-05-01 2024-05-01 0001986148 ck0001986148:C000247496Member ck0001986148:EqconservativeGrowthStrategyMember 2024-05-01 2024-05-01 0001986148 ck0001986148:C000247496Member ck0001986148:EqconservativeStrategyMember 2024-05-01 2024-05-01 0001986148 ck0001986148:C000247496Member ck0001986148:EqcoreBondIndexMember 2024-05-01 2024-05-01 0001986148 ck0001986148:C000247500Member ck0001986148:EqsmallCompanyIndexMember 2024-05-01 2024-05-01 0001986148 ck0001986148:C000247500Member ck0001986148:MultimanagerTechnologyMember 2024-05-01 2024-05-01 0001986148 ck0001986148:C000247500Member ck0001986148:EqlargeCapValueIndexMember 2024-05-01 2024-05-01 0001986148 ck0001986148:C000247500Member ck0001986148:EqlargeCapValueManagedVolatilityMember 2024-05-01 2024-05-01 0001986148 ck0001986148:C000247500Member ck0001986148:EqmidCapIndexMember 2024-05-01 2024-05-01 0001986148 ck0001986148:C000247500Member ck0001986148:EqmidCapValueManagedVolatilityMember 2024-05-01 2024-05-01 0001986148 ck0001986148:C000247500Member ck0001986148:EQModerateAllocationMember 2024-05-01 2024-05-01 0001986148 ck0001986148:C000247500Member ck0001986148:EQModeratePlusAllocationMember 2024-05-01 2024-05-01 0001986148 ck0001986148:C000247500Member ck0001986148:EqmoneyMarketMember 2024-05-01 2024-05-01 0001986148 ck0001986148:C000247500Member ck0001986148:EqqualityBondPlusMember 2024-05-01 2024-05-01 0001986148 ck0001986148:HundredPercentagePrincipalGuaranteeBenefitMember ck0001986148:C000247499Member ck0001986148:EQABShortDurationGovernmentBondMember 2024-05-01 2024-05-01 0001986148 ck0001986148:HundredPercentagePrincipalGuaranteeBenefitMember ck0001986148:C000247499Member ck0001986148:EQConservativePlusAllocationMember 2024-05-01 2024-05-01 0001986148 ck0001986148:HundredPercentagePrincipalGuaranteeBenefitMember ck0001986148:C000247499Member ck0001986148:EQAggressiveAllocationMember 2024-05-01 2024-05-01 0001986148 ck0001986148:HundredPercentagePrincipalGuaranteeBenefitMember ck0001986148:C000247499Member ck0001986148:Eqequity500IndexMember 2024-05-01 2024-05-01 0001986148 ck0001986148:HundredPercentagePrincipalGuaranteeBenefitMember ck0001986148:C000247499Member ck0001986148:EqaggressiveGrowthStrategyMember 2024-05-01 2024-05-01 0001986148 ck0001986148:HundredPercentagePrincipalGuaranteeBenefitMember ck0001986148:C000247499Member ck0001986148:EQModerateAllocationMember 2024-05-01 2024-05-01 0001986148 ck0001986148:C000247497Member ck0001986148:GwblInvestmentOptionsAlsoIncludeEqabShortDurationGovernmentBondEqaggressiveGrowthAndEqequity500IndexMember 2024-05-01 2024-05-01 0001986148 ck0001986148:OptionBMember ck0001986148:C000247496Member ck0001986148:MultimanagerTechnologyMember 2024-05-01 2024-05-01 0001986148 ck0001986148:OptionBMember ck0001986148:C000247496Member ck0001986148:EqfranklinSmallCapValueManagedVolatilityMember 2024-05-01 2024-05-01 0001986148 ck0001986148:HundredPercentagePrincipalGuaranteeBenefitMember ck0001986148:C000247499Member ck0001986148:EQConservativeAllocationMember 2024-05-01 2024-05-01 0001986148 ck0001986148:HundredPercentagePrincipalGuaranteeBenefitMember ck0001986148:C000247499Member ck0001986148:EQModeratePlusAllocationMember 2024-05-01 2024-05-01 0001986148 ck0001986148:OneHundredTwentyFivePrincipalGuaranteeBenefitMember ck0001986148:C000247499Member ck0001986148:EQABShortDurationGovernmentBondMember 2024-05-01 2024-05-01 0001986148 ck0001986148:OneHundredTwentyFivePrincipalGuaranteeBenefitMember ck0001986148:C000247499Member ck0001986148:EQModerateAllocationMember 2024-05-01 2024-05-01 0001986148 ck0001986148:OneHundredTwentyFivePrincipalGuaranteeBenefitMember ck0001986148:C000247499Member ck0001986148:Eqequity500IndexMember 2024-05-01 2024-05-01 0001986148 ck0001986148:OptionBMember ck0001986148:C000247496Member ck0001986148:EqmidCapValueManagedVolatilityMember 2024-05-01 2024-05-01 0001986148 ck0001986148:OptionBMember ck0001986148:C000247496Member ck0001986148:EqinternationalCoreManagedVolatilityMember 2024-05-01 2024-05-01 0001986148 ck0001986148:OptionBMember ck0001986148:C000247496Member ck0001986148:EqsmallCompanyIndexMember 2024-05-01 2024-05-01 0001986148 ck0001986148:OptionBMember ck0001986148:C000247496Member ck0001986148:OneThousandTwoHundredAndNinetyVtSmartbetaEquityEsgMember 2024-05-01 2024-05-01 0001986148 ck0001986148:OptionBMember ck0001986148:C000247496Member ck0001986148:EqjanusEnterpriseMember 2024-05-01 2024-05-01 0001986148 ck0001986148:OptionBMember ck0001986148:C000247496Member ck0001986148:OneThousandTwoHundredAndNinetyVtSociallyResponsibleMember 2024-05-01 2024-05-01 0001986148 ck0001986148:OptionBMember ck0001986148:C000247496Member ck0001986148:EqinternationalEquityIndexMember 2024-05-01 2024-05-01 0001986148 ck0001986148:OptionBMember ck0001986148:C000247496Member ck0001986148:EQ2000ManagedVolatilityMember 2024-05-01 2024-05-01 0001986148 ck0001986148:OptionBMember ck0001986148:C000247496Member ck0001986148:EqinternationalValueManagedVolatilityMember 2024-05-01 2024-05-01 0001986148 ck0001986148:OptionBMember ck0001986148:C000247496Member ck0001986148:EqabSmallCapGrowthMember 2024-05-01 2024-05-01 0001986148 ck0001986148:OptionBMember ck0001986148:C000247496Member ck0001986148:EqmidCapIndexMember 2024-05-01 2024-05-01 0001986148 ck0001986148:OptionBMember ck0001986148:C000247496Member ck0001986148:EqglobalEquityManagedVolatilityMember 2024-05-01 2024-05-01 0001986148 ck0001986148:OptionBMember ck0001986148:C000247496Member ck0001986148:EqconservativeStrategyMember 2024-05-01 2024-05-01 0001986148 ck0001986148:OptionBMember ck0001986148:C000247496Member ck0001986148:EqlargeCapValueManagedVolatilityMember 2024-05-01 2024-05-01 0001986148 ck0001986148:OptionBMember ck0001986148:C000247496Member ck0001986148:Eqequity500IndexMember 2024-05-01 2024-05-01 0001986148 ck0001986148:OptionBMember ck0001986148:C000247496Member ck0001986148:EqmoderateGrowthStrategyMember 2024-05-01 2024-05-01 0001986148 ck0001986148:OptionBMember ck0001986148:C000247496Member ck0001986148:EqgrowthStrategyMember 2024-05-01 2024-05-01 0001986148 ck0001986148:OptionBMember ck0001986148:C000247496Member ck0001986148:EQ400ManagedVolatilityMember 2024-05-01 2024-05-01 0001986148 ck0001986148:OptionBMember ck0001986148:C000247496Member ck0001986148:EqbalancedStrategyMember 2024-05-01 2024-05-01 0001986148 ck0001986148:OptionBMember ck0001986148:C000247496Member ck0001986148:EqlargeCapGrowthIndexMember 2024-05-01 2024-05-01 0001986148 ck0001986148:OptionBMember ck0001986148:C000247496Member ck0001986148:EqcommonStockIndexMember 2024-05-01 2024-05-01 0001986148 ck0001986148:OptionBMember ck0001986148:C000247496Member ck0001986148:EqlargeCapGrowthManagedVolatilityMember 2024-05-01 2024-05-01 0001986148 ck0001986148:OptionBMember ck0001986148:C000247496Member ck0001986148:EqconservativeGrowthStrategyMember 2024-05-01 2024-05-01 0001986148 ck0001986148:OptionBMember ck0001986148:C000247496Member ck0001986148:EqlargeCapValueIndexMember 2024-05-01 2024-05-01 0001986148 ck0001986148:OptionBMember ck0001986148:C000247496Member ck0001986148:EqcoreBondIndexMember 2024-05-01 2024-05-01 0001986148 ck0001986148:OptionBMember ck0001986148:C000247496Member ck0001986148:EqmoneyMarketMember 2024-05-01 2024-05-01 0001986148 ck0001986148:OptionBMember ck0001986148:C000247496Member ck0001986148:EqintermediateGovernmentBondMember 2024-05-01 2024-05-01 0001986148 ck0001986148:OptionBMember ck0001986148:C000247496Member ck0001986148:EqqualityBondPlusMember 2024-05-01 2024-05-01 0001986148 ck0001986148:OptionBMember ck0001986148:C000247496Member ck0001986148:EqaggressiveGrowthStrategyMember 2024-05-01 2024-05-01 0001986148 ck0001986148:OptionBMember ck0001986148:C000247496Member ck0001986148:EqlargeCapCoreManagedVolatilityMember 2024-05-01 2024-05-01 0001986148 ck0001986148:OptionAMember ck0001986148:C000247496Member ck0001986148:EqaggressiveGrowthStrategyMember 2024-05-01 2024-05-01 0001986148 ck0001986148:OptionAMember ck0001986148:C000247496Member ck0001986148:EqconservativeStrategyMember 2024-05-01 2024-05-01 0001986148 ck0001986148:OptionAMember ck0001986148:C000247496Member ck0001986148:EqbalancedStrategyMember 2024-05-01 2024-05-01 0001986148 ck0001986148:OptionAMember ck0001986148:C000247496Member ck0001986148:EqgrowthStrategyMember 2024-05-01 2024-05-01 0001986148 ck0001986148:OptionAMember ck0001986148:C000247496Member ck0001986148:EqconservativeGrowthStrategyMember 2024-05-01 2024-05-01 0001986148 ck0001986148:OptionAMember ck0001986148:C000247496Member ck0001986148:EqmoderateGrowthStrategyMember 2024-05-01 2024-05-01 xbrli:pure iso4217:USD utr:Year utr:Y
As filed with the Securities and Exchange Commission on April 22, 2024
REGISTRATION NO.
333-275028
REGISTRATION NO.
811-23911
 
 
SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, D.C. 20549
 
 
FORM
N-4
REGISTRATION STATEMENT
UNDER
 
THE SECURITIES ACT OF 1933
  
 
Post-Effective Amendment No. 2
  
AND/OR
REGISTRATION STATEMENT
UNDER
 
THE INVESTMENT COMPANY ACT OF 1940
  
 
Amendment No. 8
  
(Check appropriate box or boxes)
 
 
SEPARATE ACCOUNT NO. 49B
(Exact Name of Registrant)
 
 
EQUITABLE FINANCIAL LIFE AND ANNUITY COMPANY
(Name of Depositor)
8501 IBM Drive, Suite 150, Charlotte, NC 28262-4333
(Address of Depositor’s Principal Executive Offices)
Depositor’s Telephone Number, including Area Code:
(212) 554-1234
 
 
ALFRED AYENSU-GHARTEY
VICE PRESIDENT AND ASSOCIATE GENERAL COUNSEL
Equitable Financial Life and Annuity Company
8501 IBM Drive, Suite 150, Charlotte, NC 28262-4333
(Name and Address of Agent for Service)
 
 
Approximate Date of Proposed Public Offering: Continuous.
It is proposed that this filing will become effective (check appropriate box):
 
Immediately upon filing pursuant to paragraph (b) of Rule 485
 
On May 1, 2024 pursuant to paragraph (b) of Rule 485.
 
60 days after filing pursuant to paragraph (a)(1) of Rule 485.
 
On (date) pursuant to paragraph (a)(1) of Rule 485.
If appropriate, check the following box:
 
This post-effective amendment designates a new effective date for previously filed post-effective amendment.
Title of Securities Being Registered:
Units of interest in Separate Account under variable annuity contracts.

 
 

The Accumulator
®
Series
 
A combination variable and fixed individual and group flexible premium deferred annuity contract
 
Prospectus dated May 1, 2024
 
Equitable Financial Life and Annuity Company
Separate Account No. 49B
 
Equitable Financial Life Insurance Company Separate Account No. 49
 
Please read and keep this Prospectus for future reference. It contains important information that you should know before purchasing or taking any other action under your contract. You should read the prospectuses for each Trust, which contain important information about the portfolios.
 
 
 
What is the Accumulator
®
Series?
 
The Accumulator
®
Series are variable and fixed individual and group flexible premium deferred annuity contracts issued by
Equitable Financial Life and Annuity Company
or
Equitable Financial Life Insurance Company
(the “Company”, “we”, “our” and “us”). The series consists of Accumulator
®
, Accumulator
®
Plus
SM
, Accumulator
®
Elite
SM
and Accumulator
®
Select
SM
. The contracts provide for the accumulation of retirement savings and for income. The contracts offer income and death benefit protection. They also offer a number of payout options. You invest to accumulate value on a tax-deferred basis in one or more of our investment options: (i) variable investment options listed in Appendix “Portfolio Companies Available Under the Contract”, (ii) the guaranteed interest option, or (iii) the account for dollar cost averaging.
 
This Prospectus is a disclosure document and describes all of the contract’s material features, benefits, rights and obligations, as well as other information. The description of the contract’s material provisions in this Prospectus is current as of the date of this Prospectus. If certain material provisions under the contract are changed after the date of this Prospectus in accordance with the contract, those changes will be described in a supplement to this Prospectus. You should carefully read this Prospectus in conjunction with any applicable supplements. The contract should also be read carefully.
 
Types of contracts. 
We offer the contracts for use as:
 
  A nonqualified annuity (“NQ”) for
after-tax
contributions only.
 
  An individual retirement annuity (“IRA”), either traditional IRA or Roth IRA.
 
  Traditional and Roth Inherited IRA beneficiary continuation contract (“Inherited IRA”) (direct transfer and specified direct rollover contributions only).
 
  An annuity that is an investment vehicle for qualified defined contribution plans and certain qualified defined benefit plans (“QP”).
 
Not all types of contracts are available with each version of the Accumulator
®
Series contracts. See Appendix “Rules regarding contributions to your contract” for more information.
The contract is generally no longer available for new sales.
  These versions of the Accumulator
®
Series contracts are no longer available for new sales except they are available for certain assumption reinsurance transactions. These contracts are no longer being sold. This Prospectus is designed for current contract owners. Also, in addition to the possible state variations noted above, you should note that your contract features and charges may vary depending on the date on which you purchased your contract. For more information about the particular features, charges and options applicable to you, please contact your financial professional or refer to your contract for contract variation information and timing.
 
If you purchase an Accumulator
®
Plus
SM
contract, we will add a credit to your contributions. Fees and charges for an Accumulator
®
Plus
SM
contract are higher than for an Accumulator
®
contract and the amount of the credit may be more than offset by these higher fees and charges. Credits may be recaptured upon free look, annuitization and death.
 
We reserve the right to stop accepting any contribution from you at any time. If you have one or more Guaranteed benefits and we exercise our right to discontinue the acceptance of, and/or place additional limitations on, contributions to the contract, you may no longer be able to fund your Guaranteed benefit(s). This means that you may no longer be able to increase your account value and the benefit bases associated with your Guaranteed benefits through contributions.
 
The Securities and Exchange Commission (“SEC”) has not approved or disapproved these securities or determined if this Prospectus is accurate or complete. Any representation to the contrary is a criminal offense. The contracts are not insured by the FDIC or any other agency. They are not deposits or other obligations of any bank and are not bank guaranteed. They are subject to investment risks and possible loss of principal. Additional information about certain investment products, including variable annuities, has been prepared by the SEC’s staff and is available at Investor.gov.
 
#852522/9.0 All

Contents of this Prospectus
 
 
 
 
   4
   6
   9
   11
   14
   15
  
  
17
   17
   17
   18
   19
   19
   21
   24
   25
   27
  
  
29
   29
   32
   34
   34
   36
   36
   38
   38
   40
   42
   42
   46
   53
   55
   55
   57
  
 
 
When we address the reader of this Prospectus with words such as “you” and “your,” we mean the person who has the right or responsibility that the Prospectus is discussing at that point. This is usually the contract owner.
When we use the word “contract” it also includes certificates that are issued under group contracts in some states.
 
2

  
58
   58
   58
   58
   58
   58
   58
   58
   58
   59
   59
   59
  
  
61
   61
   61
   61
   61
   61
   62
  
  
63
   63
   63
   64
  
  
66
   66
   70
   70
   72
   72
   72
   73
   73
   73
  
  
76
   76
   81
   81
   81
  
  
82
   82
   82
   82
   82
   82
   85
   86
   91
   94
   95
   95
  
  
96
   96
   96
   96
   97
   97
   98
   98
   98
   99
   99
   99
   100
   100
   100
  
Appendices
  
 
   103
   106
   108
   110
   115
   116
   129
   132
   135
 
3

Definition of key terms
 
 
 
Account value
— is the total value of the values you have in: (i) the variable investment options; (ii) the guaranteed interest option; and (iii) the account for special dollar cost averaging (applies to Accumulator
®
and Accumulator
®
Elite
SM
contracts only).
 
Annuitant
— is the person who is the measuring life for determining the contract maturity date. The annuitant is not necessarily the contract owner.
 
Business day
— Our “business day” is generally any day the New York Stock Exchange (“NYSE”) is open for regular trading and generally ends at 4:00 p.m. Eastern Time (or as of an earlier close of regular trading). A business day does not include a day on which we are not open due to emergency conditions determined by the SEC. We may also close early due to such emergency conditions.
 
Cash value
— At any time before annuity payments begin, your contract’s cash value is equal to the account value less: (i) the total amount or a pro rata portion of the annual administrative charge, as well as any optional benefit charges; and (ii) any applicable withdrawal charges (not applicable to Accumulator
®
Select
SM
contracts).
 
Company
— Refers to Equitable Financial Life and Annuity Company (“Equitable Colorado”) or Equitable Financial Life Insurance Company (“Equitable Financial”). The terms “we”, “us”, and “our” are also used to identify the issuing Company. Equitable Colorado does not do business or issue contracts in the state of New York. Generally, Equitable Colorado will issue contracts in all states except New York and Equitable Financial will issue contracts in New York. However, if any selling agent is an Equitable Advisors financial professional who has a business address in the state of New York, the issuing Company will be Equitable Financial, even if the contract is issued in a state other than New York.
 
Contract date
— The “contract date” is the effective date of a contract. This usually is the business day we receive the properly completed and signed application, along with any other required documents, and your initial contribution. Your contract date will be shown in your contract.
 
Contract date anniversary
— The end of each 12-month period is your “contract date anniversary”. For example, if your contract date is May 1st, your contract anniversary date is April 30th.
 
Contract year
— The “contract year” is the 12-month period beginning on your contract date and each 12-month period after that date.
Maturity date
— The contact’s “maturity date” is generally the contract date anniversary that follows the annuitant’s 95th birthday.
 
Separate Account
— Separate Account No. 49B and Separate Account No. 49, separate accounts established and registered as unit investment trusts under the Investment Company Act of 1940, as amended, to which contributions under the contracts may be allocated.
    
 
4

To make this Prospectus easier to read, we sometimes use different words than in the contract or supplemental materials. This is illustrated below. Although we use different words, they have the same meaning in this Prospectus as in the contract or supplemental materials. Your financial professional can provide further explanation about your contract or supplemental materials.
 
Prospectus
 
Contract or Supplemental Materials
variable investment options   Investment Funds
account value   Annuity Account Value
unit   Accumulation Unit
Guaranteed minimum income benefit
excess withdrawal
  Excess Withdrawal
 
5

Important information you should consider about the contract
 
 
 
FEES AND EXPENSES
Charges for Early Withdrawals
 
Each series of the contract provides for different withdrawal charge periods and percentages.
 
Accumulator
®
— If you surrender your contract, apply your cash value to a non-life contingent annuity payment option, or withdraw money from Accumulator
®
of the contract within 7 years following your last contribution, you will be assessed a withdrawal charge of up to 7% of contributions withdrawn. For example, if you make a withdrawal in the first year, you could pay a withdrawal charge of up to $7,000 on a $100,000 investment.
 
Accumulator
®
Plus
SM
— If you surrender your contract, apply your cash value to a non-life contingent annuity payment option, or withdraw money from Accumulator
®
Plus
SM
of the contract within 9 years following your last contribution, you will be assessed a withdrawal charge of up to 8% of contributions withdrawn. For example, if you make a withdrawal in the first year, you could pay a withdrawal charge of up to $8,000 on a $100,000 investment.
 
Accumulator
®
Elite
SM
— If you surrender your contract, apply your cash value to a non-life contingent annuity payment option, or withdraw money from Accumulator
®
Elite
SM
of the contract within 4 years following your last contribution, you will be assessed a withdrawal charge of up to 8% of contributions withdrawn. For example, if you make a withdrawal in the first year, you could pay a withdrawal charge of up to $8,000 on a $100,000 investment.
 
Accumulator
®
Select
SM
— No withdrawal charge.
 
For additional information about charges for surrenders and early withdrawals see “Withdrawal charge” in “Charges and expenses” in the Prospectus.
Transaction Charges
 
In addition to withdrawal charges, you may also be charged for other transactions (for special requests such as wire transfers, express mail and duplicate contracts).
 
For additional information about transaction charges see “Charges that the Company deducts” in “Charges and expenses” in the Prospectus.
 
Ongoing Fees and Expenses (annual charges)
  Each series of the contract provides for different ongoing fees and expenses. The table below describes the fees and expenses that you may pay each year under the contract, depending on the options you choose. Please refer to your contract specifications page for information about the specific fees you will pay each year based on the options you have elected.
   
Annual Fee
  
Minimum
  
Maximum
  Base Contract (varies by contract series)
(1)
   1.30%    1.70%
  Investment options (Portfolio fees and expenses)
(2)
   0.57%    1.40%
  Optional benefits available for an additional charge (for a single optional benefit, if elected)
(3)
   0.25%    1.40%
 
 
(1)  Expressed as an annual percent of daily net assets in the variable investment options.
 
(2)  Expressed as an annual percentage of daily net assets in the Portfolio. This range is for the year ended December 31, 2023 and could change from year to year.
 
(3)  Expressed as an annual percentage of the applicable benefit base.
 
Because your contract is customizable, the choices you make affect how much you will pay. To help you understand the cost of owning your contract, the following table shows the lowest and highest cost you could pay each year, based on current charges. This estimate assumes no credits and that you do not take withdrawals from the contract,
which could add withdrawal charges that substantially increase costs.
 
 
Lowest Annual Cost
$2,011
  
Highest Annual Cost
$5,255
 
Assumes:
•   Investment of $100,000
•   5% annual appreciation
•   Least expensive combination of contract series and Portfolio fees and expenses
•   No optional benefits
•   No sales charges
•   No additional contributions, transfers or withdrawals
  
Assumes:
•   Investment of $100,000
•   5% annual appreciation
•   Most expensive combination of contract series (Accumulator
®
Plus
SM
), optional benefits (GMIB II and GMDB II death benefit) and Portfolio fees and expenses
•   No sales charges
•   No additional contributions, transfers or withdrawals
 
 
For additional information about ongoing fees and expenses see “Fee Table”
in
the Prospectus.
 
6

RISKS
Risk of Loss
 
The contract is subject to the risk of loss. You could lose some or all of your account value.
 
For additional information about the risk of loss see “Principal risks of investing in the Contract” in the Prospectus.
Not a Short-Term Investment
 
The contract is not a short-term investment and is not appropriate for an investor who needs ready access to cash because the contract is designed to provide for the accumulation of retirement savings and income on a long-term basis. As such, you should not use the contract as a short-term investment or savings vehicle. A withdrawal charge may apply in certain circumstances and any withdrawals may also be subject to federal and state income taxes and tax penalties.
 
For additional information about the investment profile of the contract see “Fee Table” in the Prospectus.
Risks Associated with Investment Options
 
An investment in the contract is subject to the risk of poor investment performance and can vary depending on the performance of the variable investment options available under the contract, (e.g., the Portfolios). Each investment option, including the guaranteed interest option, has its own unique risks. You should review the investment options available under the contract before making an investment decision.
 
For additional information about the risks associated with investment options see “Variable investment options”, “Guaranteed interest option” and “Portfolios of the Trust” in “Purchasing the Contract” in the Prospectus. See also Appendix “Portfolio Companies available under the contract” in the Prospectus.
Insurance Company Risks
 
An investment in the contract is subject to risks related to the Company. The Company is solely responsible to the contract owner for the contract’s account value and the Guaranteed benefits. The general obligations, including the guaranteed interest option, and any Guaranteed benefits under the contract are supported by our general account and are subject to our claims-paying ability. An owner should look solely to our financial strength for our claims-paying ability. More information about the Company, including our financial strength ratings, may be obtained at https://equitable.com/about-us/financial-strength-ratings.
 
For additional information about insurance company risks see “About the general account” in “More information” in the Prospectus.
 
RESTRICTIONS
 
Investments
 
We may, at any time, exercise our rights to limit or terminate your contributions, allocations and transfers to any of the variable investment options and to limit the number of variable investment options which you may select. Such rights include, among others, combining any two or more variable investment options and transferring account value from any variable investment option to another variable investment option.
 
Credits under Accumulator
®
Plus
SM
contracts may be recaptured upon free look, annuitization, and death.
 
There are restrictions regarding investment options if Guaranteed benefits are elected, limits on contributions and transfers into and out of the guaranteed interest option, and restrictions or limitations with Special DCA programs. See “Allocating your contributions” in “Purchasing the Contract” and “Transferring your account value” in “Transferring your money among investment options” in the Prospectus for more information.
 
For more information see “About the Separate Account” in “More information” in the Prospectus.
 
For additional information about the investment options, including information regarding volatility management strategies and techniques, see “Transfer charge” in “Charges and expenses” and “Portfolios of the Trust” in “Purchasing the Contract” in the Prospectus.
Optional Benefits
 
At any time, we have the right to limit or terminate your contributions, allocations and transfers to any of the variable investment options. If you have one or more Guaranteed benefits (which are also known as optional benefits) and we exercise our right to discontinue the acceptance of, and/or place additional limitations on, contributions to the contract, you may no longer be able to fund your Guaranteed benefit(s).
 
Investment options are limited if Guaranteed benefits are elected. Withdrawals that exceed limits specified by the terms of an optional benefit may affect the availability of the benefit by reducing the benefit by an amount greater than the value withdrawn, and/or could terminate the benefit.
 
For additional information about the optional benefits see “How you can purchase and contribute to your contract” in “Purchasing the Contract” in the Prospectus. See also “Death Benefits” and “Living Benefits” in “Benefits available under the contract” in the Prospectus.
 
7

TAXES
Tax Implications
 
You should consult with a tax professional to determine the tax implications of an investment in, and payments received under, the contract. There is no additional tax benefit to you if the contract is purchased through a
tax-qualified
plan or individual retirement account (IRA). Withdrawals will be subject to ordinary income tax and may be subject to tax penalties. Generally, you are not taxed until you make a withdrawal from the contract.
 
For additional information about tax implications see “Tax information” in the Prospectus.
CONFLICTS OF INTEREST
Investment Professional Compensation
 
Some financial professionals may receive compensation for selling the contract to you, both in the form of commissions or in the form of contribution-based compensation. Financial professionals may also receive additional compensation for enhanced marketing opportunities and other services (commonly referred to as “marketing allowances”). This conflict of interest may influence the financial professional to recommend this contract over another investment.
 
For additional information about compensation to financial professionals see “Distribution of the contracts” in “More information” in the Prospectus.
Exchanges
 
Some financial professionals may have a financial incentive to offer a new contract in place of the one you already own. You should only exchange your contract if you determine, after comparing the features, fees, and risks of both contracts, that it is preferable to purchase the new contract rather than continue to own your existing contract.
 
For additional information about exchanges see “Charge for third-party transfer or exchange” in “Charges and expenses” in the Prospectus.
 
8

Overview of the contract
 
 
 
Purpose of the Contract
 
The contract is designed to help you accumulate assets through investments in underlying Portfolios and the guaranteed interest option during the accumulation phase. It can provide or supplement your retirement income by providing a stream of income payments during the annuity phase. It also provides death benefits to protect your beneficiaries and living benefits to protect your access to income. The contract may be appropriate if you have a long-term investment horizon. It is not intended for people who may need to access invested funds within a short-term timeframe or frequently, or who intend to engage in frequent transfers of the underlying Portfolios.
 
Phases of the Contract
 
The contract has two phases: an accumulation (savings) phase and an income (annuity) phase.
 
Accumulation (Savings) Phase
 
During the accumulation phase, you can allocate your contributions to one or more of the available investment options, which include:
 
  variable investment options (with restrictions depending on benefit selection);
 
  Guaranteed interest option; and
 
  the account for dollar cost averaging.
 
For additional information about each underlying Portfolio see Appendix “Portfolio Companies available under the contract.”
 
Income (Annuity) Phase
 
You enter the income phase when you annuitize your contract. During the income phase, you will receive a stream of fixed income payments for the annuity payout period of time you elect. You can elect to receive annuity payments (1) for life; (2) for life with a certain minimum number of payments; or (3) for life with a certain amount of payment. Please note that when you annuitize, your investments are converted to income payments and you will no longer be able to make any additional withdrawals from your contract. All accumulation phase benefits terminate upon annuitization and the contract has a maximum annuity commencement date.
 
Contract Features
 
The contract provides for the accumulation of retirement savings and income. The contract offers income and death benefit protection, offers various payout options and a credit (Accumulator
®
Plus
SM
contracts only).
Contract Classes
 
You can purchase one of four contract classes that have different ongoing fees and withdrawal charges. For example, the contract offers Accumulator
®
with a 7 year withdrawal charge period and a 1.30% contract fee, Accumulator
®
Plus
SM
with a 9 year withdrawal charge period and a 1.55% contract fee, Accumulator
®
Elite
SM
with a 4 year withdrawal charge period and a 1.65% contract fee, and Accumulator
®
Select
SM
with no withdrawal charge and a 1.70% contract fee. If you purchase an Accumulator
®
Plus
SM
contract, we will add a credit to your contributions. Fees and charges for the Accumulator
®
Plus
SM
contract are higher than for the Accumulator
®
contract, the amount of the credits may be more than offset by these higher fees and charges, and credits may be recaptured upon free look, annuitization, and death.
 
Access to Your Money
 
During the accumulation phase you can take withdrawals from your contract. Withdrawals will reduce your account value and may be subject to withdrawal charges, income taxes and a tax penalty if you are younger than 59
1
2
. Withdrawals may also reduce (possibly on a greater than
dollar-for-dollar
basis) or terminate any guaranteed benefits.
 
Death Benefits
 
Your contract includes a standard death benefit that pays your beneficiaries an amount at least equal to your contributions less adjusted withdrawals. For an additional fee, you can purchase other death benefits called Guaranteed minimum death benefits (“GMDBs”) that provide different minimum payment guarantees.
 
Living Benefits
 
A living benefit called the Guaranteed Minimum Income Benefit (“GMIB”) is available with the contract for an additional charge. The GMIB is a benefit that guarantees, subject to certain restrictions, annual lifetime payments or “Lifetime GMIB payments”. After age 80 you can convert the GMIB to a GWBL. The minimum guarantee provided by this benefit may never come into effect.
 
Rebalancing and Dollar Cost Averaging
 
You can elect to have your account value automatically rebalanced at no additional charge. You can also elect to allocate your investments using a dollar cost averaging program at no additional charge. Generally, you may not elect both a dollar cost averaging program and a rebalancing option.
 
Other contracts
 
We offer a variety of fixed and variable annuity contracts. They may offer features, including investment options, and
 
9

have fees and charges, that are different from those in the contracts offered by this Prospectus. Not every contract we issue, including some described in this Prospectus, is offered through every selling broker-dealer. Some selling broker-dealers may not offer and/or limit the offering of certain features or options, as well as limit the availability of the contracts, based on issue age or other criteria established by the selling broker-dealer. Upon request, your financial professional can show you information regarding our other annuity contracts that he or she distributes. You can also contact us to find out more about the availability of any of our annuity contracts.
 
You should work with your financial professional to decide whether one or more optional benefits are appropriate for you based on a thorough analysis of your particular insurance needs, financial objectives, investment goals, time horizons and risk tolerance.
    
 
10

Fee Table
 
 
 
The following tables describe the fees and expenses
that
you will pay when buying, owning, surrendering or making withdrawals from the contract. Each of the charges and expenses is more fully described in “Charges and expenses”. Please refer to your contract specifications page for information about the specific fees you will pay each year based on the options you have elected.
 
The first table describes fees and expenses that you will pay at the time that you surrender the contract or if you make certain withdrawals, transfers or request special services. Charges designed to approximate certain taxes that may be imposed on us, such as premium taxes in your state, may also apply.
 
Transaction Expenses
 
 
Accumulator
®
  
Accumulator
®

Plus
SM
  
Accumulator
®

Elite
SM
  
Accumulator
®

Select
SM
Sales Load Imposed on Purchases   None    None    None    None
Withdrawal Charge (as a percentage of contributions withdrawn)
(1)
  7%    8%    8%    None
Special Service Charges
(2)
  $90    $90    $90    $90
 
(1)
Deducted upon withdrawal of amounts in excess of the 10% free withdrawal amount, if applicable. The withdrawal charge percentage we use is determined by the number of years since receipt of the contribution to which the charge relates if you make a withdrawal, surrender your contract to receive its cash value, or surrender your contract to apply your cash value to a
non-life
contingent annuity payout option. For each contribution, we consider the year in which that contribution to be “year 1”.
 
     
charge as a % of contribution for each year following
contribution
     
1
  
2
  
3
  
4
  
5
  
6
  
7
  
8
  
9
  
10+
Accumulator
®
   7%    7%    6%    6%    5%    3%    1%    0%    0%    0%
Accumulator
®
 
Plus
SM
   8%    8%    7%    7%    6%    5%    4%    3%    2%    0%
Accumulator
®
 
Elite
SM
   8%    7%    6%    5%    0%    0%    0%    0%    0%    0%
 
(2)
Special service charges include (1) express mail charge; (2) wire transfer charge; and (3) duplicate contract charge. The duplicate contract charge is currently waived. We may discontinue this waiver at any time, with or without notice.
 
The next table describes the fees and expenses that you will pay
each year
during the time that you own the contract (not including Portfolio fees and expenses). If you choose to purchase an optional benefit, you will pay additional charges, as shown below.
 
Annual Contract Expenses
    
Accumulator
®
 
Accumulator
®
Plus
SM
 
Accumulator
®
Elite
SM
 
Accumulator
®
Select
SM
Annual Administrative Charge
(1)
  $30
(1)
  $30
(1)
  $30
(1)
  $30
(1)
Base Contract Expenses (a percentage of daily net assets in the variable investment options)   1.30%   1.55%   1.65%   1.70%
Optional Benefits Expenses
(2)
 
 
 
 
 
 
 
 
Guaranteed minimum death benefit charges
(as a percentage of the benefit base)
(3)
       
Standard death benefit
  No
additional
charge
  No
additional
charge
  No
additional
charge
  No
additional
charge
Annual Ratchet to age 80
  0.25%   0.25%   0.25%   0.25%
Annual Ratchet to age 80 (New York and Washington)
  0.30%   0.30%   0.30%   0.30%
Greater of 5%
Roll-Up
to age 80 or Annual Ratchet to age 80 (“Greater of GMDB I)
  1.05%
(4)(5)
  1.05%
(4)(5)
  1.05%
(4)(5)
  1.05%
(4)(5)
Greater of 5%
Roll-Up
to age 80 or Annual Ratchet to age 80 (“Greater of GMDB II)
  1.25%
(5)(6)
  1.25%
(5)(6)
  1.25%
(5)(6)
  1.25%
(5)(6)
 
11

Guaranteed minimum income benefit charge
(as a percentage of the benefit base)
(3)(7)
     
)
 
 
Guaranteed minimum income benefit I – Asset Allocation
  1.20%
(8)
  1.20%
(8)
  1.20%
(8)
  1.20%
(8)
Guaranteed minimum income benefit II – Custom Selection
  1.40%
(9)
  1.40%
(9)
  1.40%
(9)
  1.40%
(9)
Earnings enhancement benefit for life benefit charge
(as a percentage of the account value)
(7)
  0.35%   0.35%   0.35%   0.35%
Guaranteed withdrawal benefit for life benefit charge
(as a percentage of the benefit base)
(3)(7)
       
Conversion from Guaranteed minimum income benefit I – Asset Allocation
  1.20%
(10)
  1.20%
(10)
  1.20%
(10)
  1.20%
(10)
Conversion from Guaranteed minimum income benefit II – Custom Selection
  1.40%
(11)
  1.40%
(11)
  1.40%
(11)
  1.40%
(11)
(1)
The annual administrative charge is deducted from your account value on each contract date anniversary. If the contract is surrendered or annuitized or a death benefit is paid on any date other than the contract date anniversary, we will deduct a pro rata portion of the administrative charge for that year. If your account value on a contract date anniversary is $50,000 or more there is no charge. During the first two contract years this charge, if applicable, is equal to the lesser of $30 or 2% of your account value. Thereafter, the charge, if applicable, is $30 for each contract year.
 
(2)
Deducted annually on each contract date anniversary for which the benefit is in effect. If the contract is surrendered or annuitized, or a death benefit is paid, or the benefit is dropped (if applicable), on any date other than the contract date anniversary, we will deduct a pro rata portion of the charge for that year.
 
(3)
The benefit base is not an account value or cash value. If you elect the Guaranteed minimum income benefit and/or the Guaranteed minimum death benefit at issue, your initial benefit base is equal to your initial contribution to your contract. For Accumulator
®
Plus
SM
contracts, your initial benefit base does not include the credit. Subsequent adjustments to the applicable benefit base may result in a benefit base that is significantly different from your total contributions or account value. See “Guaranteed minimum income benefit and Guaranteed minimum death benefit base” and “GWBL benefit base” in “Benefits available under the contract”.
 
(4)
Only available if you also elect GMIB I — Asset Allocation. The 1.05% charge will apply if you elect to reset the
Roll-up
benefit base. The current charge is 0.90%.
 
(5)
Any reset prior to April 1, 2013 did not result in an increased charge.
 
(6)
Only available if you also elect GMIB II — Custom Selection. The 1.25% charge will apply if you elect to reset the
Roll-up
benefit base. The current charge is 1.10%.
 
(7)
If you elect the Earnings enhancement benefit at issue, and your Guaranteed minimum income benefit then converts to the Guaranteed withdrawal benefit for life, the Earnings enhancement benefit will continue in force after conversion, although it may be adversely affected by withdrawals under the Guaranteed withdrawal benefit for life.
 
(8)
The 1.20% charge will apply if you elect to reset the
Roll-up
benefit base. The current charge is 0.90%.
 
(9)
The 1.40% charge will apply if you elect to reset the
Roll-up
benefit base. The current charge is 1.10%.
 
(10)
The 1.20% charge will apply if you reset your Guaranteed minimum income benefit prior to conversion or if your GWBL benefit base ratchets after conversion. The current charge is 0.90%.
 
(11)
The 1.40% charge will apply if you reset your Guaranteed minimum income benefit prior to conversion or if your GWBL benefit base ratchets after conversion. The current charge is 1.10%.
 
12

The next item shows the minimum and maximum total operating expenses charged by the underlying Portfolios that you may pay periodically during the time that you own the contract. A complete list of Portfolios available under the contact, including their annual expenses, may be found at the back of this document. See Appendix “Portfolio Companies available under the contract.”
These expenses are for the period ended December 31, 2023, and may fluctuate from year to year.
 
Annual Portfolio Expenses
 
 
  
 
Minimum
 
  
 
Maximum
 
Annual Portfolio Expenses prior to Expense Limitation Arrangement (expenses that are deducted from Portfolio assets including management fees,
12b-1
fees, service fees, and other expenses
)
(*)
     0.57%        1.40%  
(*)
“Annual Portfolio Expenses” are based, in part, on estimated amounts of such expenses. Pursuant to a contract, Equitable Investment Management Group, LLC has agreed to make payments or waive its management, administrative and other fees to limit the expenses of certain affiliated Portfolios through April 30, 2025 (“Expense Limitation Arrangement”) (unless the Trust’s Board of Trustees consents to an earlier revision or termination of this agreement). The Expense Limitation Arrangement may be terminated by Equitable Investment Management Group, LLC at any time after April 30, 2025. The Expense Limitation Arrangement does not apply to unaffiliated Portfolios.
 
Example
 
These Examples are intended to help you compare the cost of investing in the contract with the cost of investing in other variable annuity contracts. These costs include transaction expenses, annual contract expenses, and annual Portfolio expenses.
 
These Examples assume that you invest $100,000 in the contract for the time periods indicated. The Examples also assume that your investment has a 5% return each year and assumes the most expensive combination of annual Portfolio expenses, as well as, the “Greater of” GMDB II death benefit and GMIB II (both at their maximum charge).
 
Although your actual costs may be higher or lower, based on these assumptions, your costs would be:
 
     
If you surrender your contract or annuitize
(under a non-life option) at the end of the
applicable time period
  
If you do not surrender your contract
 
 
  
1 year
  
3 years
  
5 years
  
10 years
  
1 year
  
3 years
  
5 years
  
10 years
Accumulator
®
  
$12,985
  
$24,280
  
$36,020
  
$64,931
  
$5,985
  
$18,280
  
$31,020
  
$64,931
Accumulator
®
Elite
SM
  
$14,353
  
$25,331
  
$32,684
  
$67,773
  
$6,352
  
$19,331
  
$32,684
  
$67,773
Accumulator
®
Plus
SM
  
$14,402
  
$26,469
  
$38,939
  
$68,468
  
$6,402
  
$19,469
  
$32,939
  
$68,468
Accumulator
®
Select
SM
  
$ 6,755
  
$19,831
  
$33,270
  
$68,520
  
$6,405
  
$19,481
  
$32,920
  
$68,170
 
13

The Company
 
 
 
 
Equitable Colorado is a Colorado stock life insurance corporation organized in 1984 with an administrative office located at 8501 IBM Drive, Suite 150, Charlotte, NC 28262-4333. Equitable Financial is a New York stock life insurance corporation doing business since 1859 with its home office located at 1345 Avenue of the Americas, New York, NY 10105. We are indirect wholly owned subsidiaries of Equitable Holdings, Inc.
 
We are licensed to sell life insurance and annuities in all 50 states (except Equitable Colorado is not licensed in the state of New York), the District of Columbia, Puerto Rico and the U.S. Virgin Islands. No other company has any legal responsibility to pay amounts that the Company owes under the contracts. The Company is solely responsible for paying all amounts owed to you under the contract.
 
14

How to reach us
 
Please communicate with us at the mailing addresses listed below for the purposes described. You can also use our Equitable Client portal to access information about your account and to complete certain requests through the internet. Certain methods of contacting us, such as by telephone or electronically, may be unavailable, delayed or discontinued. For example, our facsimile service may not be available at all times and/or we may be unavailable due to emergency closing. In addition, the level and type of service available may be restricted based on criteria established by us. In order to avoid delays in processing, please send your correspondence and check to the appropriate location, as follows:
 
For correspondence with checks:
 
For contributions sent by regular mail:
 
Retirement Service Solutions
P.O. Box 1424
Charlotte NC 28201
 
For contributions sent by express delivery:
 
Retirement Service Solutions
8501 IBM Dr, Ste 150-IR
Charlotte, NC 28262
 
For correspondence without checks:
 
For all other communications (e.g., requests for transfers, withdrawals, or required notices) sent by regular mail:
 
Retirement Service Solutions
P.O. Box 1016
Charlotte NC 28201
 
For all other communications (e.g., requests for transfers, withdrawals, or required notices) sent by express delivery:
 
Retirement Service Solutions
8501 IBM Dr, Ste 150-IR
Charlotte, NC 28262
 
Your correspondence will be picked up at the mailing address noted above and delivered to our processing office. Your correspondence, however, is not considered received by us until it is received at our processing office. Where this Prospectus refers to the day when we receive a contribution, request, election, notice, transfer or any other transaction request from you, we mean the day on which that item (or the last thing necessary for us to process that item) arrives in complete and proper form at our processing office or via the appropriate telephone or fax number if the item is a type we accept by those means. There are two main exceptions: if the item arrives (1) on a day that is not a business day or (2) after the close of a business day, then, in each case, we are deemed to have received that item on the next business day. Our processing office is: 8501 IBM Dr, Ste 150-IR, Charlotte, NC 28262.
Reports we provide:
 
  written confirmation of financial transactions and certain
non-financial
transactions, including addition of the Guaranteed minimum income benefit after contract issuance and termination of a systematic withdrawal option;
 
  statement of your account value at the close of each calendar year, and any calendar quarter in which there was a financial transaction; and
 
  annual statement of your account value as of the close of the contract year, including notification of eligibility to exercise the Guaranteed minimum income benefit and/or the Roll-up benefit base reset option and eligibility to convert the Guaranteed minimum income benefit to the Guaranteed withdrawal benefit for life at age 80.
 
For jointly owned contracts (if applicable), we provide reports to the primary joint owner’s address on file.
 
Equitable Client portal:
 
With your Equitable Client portal account you can expect:
 
 
Account summary
. View your account values, and select accounts for additional details.
 
 
Messages and alerts
. Stay up to date with messages on statement availability, investment options and important account information.
 
 
Profile changes
. Now it’s even easier to keep your information current, such as your email address, street address and eDelivery preferences.
 
 
Manage your account
. Convenient access to service options for a policy or contract, from viewing account details and documents to completing financial transactions.
 
 
Investments details
. Intuitive charts show the breakdown of your key investments.
 
Don’t forget to sign up for eDelivery!
Visit equitable.com and click sign in to register today.
 
Equitable Client portal is normally available seven days a week, 24 hours a day. Of course, for reasons beyond our control, this service may sometimes be unavailable.
 
We have established procedures to reasonably confirm that the instructions communicated by the internet are genuine. For example, we will require certain personal identification information before we will act on internet instructions and we will provide written confirmation of your transfers. If we do not employ reasonable procedures to confirm the genuineness of internet instructions, we may be liable for any losses arising out of any act or omission that constitutes negligence, lack of good faith, or willful misconduct. In light of our procedures, we will not be liable for following internet instructions we reasonably believe to be genuine.
 
We reserve the right to limit access to this service if we determine that you engaged in a disruptive transfer activity, such as “market timing” (see “Disruptive transfer activity” in “Transferring your money among investment options”.
 
15

Customer service representative:
 
You may also use our toll-free number
(1-800-789-7771)
to speak with one of our customer service representatives. Our customer service representatives are available on the following business days:
 
  Monday through Thursday from 8:30 a.m. until 7:00 p.m., Eastern time.
 
  Friday from 8:30 a.m. until 5:30 p.m., Eastern time.
 
We generally require that the following types of communications be on specific forms we provide for that purpose (and submitted in the manner that the forms specify):
 
(1)
authorization for telephone transfers by your financial professional;
 
(2)
conversion of a traditional IRA to a Roth IRA contract;
 
(3)
tax withholding elections (see withdrawal request form);
 
(4)
election of the beneficiary continuation option;
 
(5)
IRA contribution recharacterizations;
 
(6)
Section 1035 exchanges;
 
(7)
direct transfers and rollovers;
 
(8)
exercise of the Guaranteed minimum income benefit;
 
(9)
requests to reset your
Roll-up
benefit base by electing one of the following:
one-time
reset option, automatic annual reset program or automatic customized reset program;
 
(10)
requests to opt out of or back into the Annual Ratchet of the GWBL benefit base;
 
(11)
death claims;
 
(12)
change in ownership (NQ only, if available under your contract);
 
(13)
requests for enrollment in either our Maximum payment plan or Customized payment plan under the GWBL;
 
(14)
purchase by, or change of ownership to, a nonnatural owner;
 
(15)
requests to collaterally assign your NQ contract;
 
(16)
requests to drop the GWBL or add or drop the Guaranteed minimum income benefit;
 
(17)
election to convert the Guaranteed minimum income benefit to the GWBL at age 80;
 
(18)
requests to add a Joint life after conversion of the Guaranteed minimum income benefit to the GWBL at age 80;
 
(19)
requests to transfer, reallocate, rebalance, make subsequent contributions and change your future allocations (except that certain transactions may be permitted through the Equitable Client portal);
 
(20)
transfers into and among the investment options; and
 
(21)
requests for withdrawals.
We also have specific forms that we recommend you use for the following types of requests:
 
(1)
beneficiary changes;
 
(2)
contract surrender;
 
(3)
general dollar cost averaging (including the fixed dollar and interest sweep options);
 
(4)
special money market dollar cost averaging (for Accumulator
®
Plus
SM
and Accumulator
®
Select
SM
contracts only); and
 
(5)
special dollar cost averaging (for Accumulator
®
and Accumulator
®
Elite
SM
contracts only).
 
To cancel or change any of the following, we require written notification generally at least seven calendar days before the next scheduled transaction:
 
(1)
general dollar cost averaging (including the fixed dollar and interest sweep options);
 
(2)
special money market dollar cost averaging (for Accumulator
®
Plus
SM
and Accumulator
®
Select
SM
contracts only);
 
(3)
special dollar cost averaging (for Accumulator
®
and Accumulator
®
Elite
SM
contracts only);
 
(4)
substantially equal withdrawals;
 
(5)
systematic withdrawals;
 
(6)
the date annuity payments are to begin; and
 
(7)
RMD payments from inherited IRAs.
 
To cancel or change any of the following, we require written notification at least one calendar day prior to your contract date anniversary:
 
(1)
automatic annual reset program; and
 
(2)
automatic customized reset program.
 
 
 
 
You must sign and date all these requests. Any written request that is not on one of our forms must include your name and your contract number along with adequate details about the notice you wish to give or the action you wish us to take. Some requests may be completed online; you can use our Equitable Client portal to contact us and to complete such requests through the internet. In the future, we may require that certain requests be completed online.
 
Signatures:
 
The proper person to sign forms, notices and requests would normally be the owner. If there are joint owners, both must sign.
 
eDelivery:
 
You can register to receive statements and other documents electronically. You can do so by visiting our website at www.equitable.com.
 
16

1.
Purchasing the Contract
 
 
 
How you can purchase and contribute to your contract
 
You may purchase a contract by making payments to us that we call “contributions.” We can refuse to accept any application or contribution from you at any time, including after you purchase the contract. We require a minimum contribution for each type of contract purchased. Maximum contribution limitations also apply. The tables in Appendix “Rules regarding contributions to your contract” summarize our current rules regarding contributions to your contract, which rules are subject to change. In some states our rules may vary. Both the owner and the annuitant named in the contract must meet the issue age requirements shown in the table, and contributions are based on the age of the older of the original owner and annuitant. Additional contributions may not be permitted in your state. Please see Appendix “State contract availability and/or variations of certain features and benefits” to see if additional contributions are currently permitted in your state.
 
No contributions are accepted after the first contract year (other than QP contracts). Upon advance notice to you, we may exercise certain rights we have under the contract regarding contributions, including our rights to (i) change minimum and maximum contribution requirements and limitations, and (ii) discontinue acceptance of contributions. We may discontinue acceptance of contributions within the first year. Further, we may at any time exercise our rights to limit or terminate your contributions and transfers to any of the variable investment options and to limit the number of variable investment options which you may elect.
 
 
We reserve the right to change our current limitations on your contributions and to discontinue acceptance of contributions.
 
 
We may refuse to accept any contribution if the sum of all contributions under all Accumulator
®
series contracts with the same owner or annuitant would then total more than $1,500,000 ($500,000 for owners or annuitants who are age 81 and older at contract issue). If we do accept a contribution over that $1,500,000 threshold, we may require that the account value be allocated according to Option A. For information about Option A, please see “Allocating your contribution”. We may also refuse to accept any contribution if the sum of all contributions under all our annuity accumulation contracts with the same owner or annuitant would then total more than $2,500,000. We may waive these contribution limitations based on certain criteria, including benefits that have been elected, issue age, the total amount of contributions, variable investment option allocations and selling broker-dealer compensation. These contribution limitations may not be applicable in your state. Please see Appendix “State contract availability and/or variations of certain features and benefits”.
Subsequent contributions are not permitted after conversion to the Guaranteed withdrawal benefit for life.
 
 
The “owner” is the person who is the named owner in the contract and, if an individual, is the measuring life for determining contract benefits. The “annuitant” is the person who is the measuring life for determining the contract’s maturity date. The annuitant is not necessarily the contract owner. Where the owner of a contract is
non-natural,
the annuitant is the measuring life for determining contract benefits.
 
 
Owner and annuitant requirements
 
Under NQ contracts, the annuitant can be different from the owner. We do not permit partnerships or limited liability companies to be owners of the Accumulator
®
Select
SM
contract. We also reserve the right to prohibit the availability of the Accumulator
®
Select
SM
contract to other
non-natural
owners. A joint owner may also be named. Only natural persons can be joint owners. This means that an entity such as a corporation cannot be a joint owner.
 
Owners which are not individuals may be required to document their status to avoid 30% FATCA withholding from U.S.-source income.
 
For NQ contracts (with a single owner, joint owners, or a
non-natural
owner) we permit the naming of joint annuitants only when the contract is purchased through an exchange that is intended not to be taxable under Section 1035 of the Internal Revenue Code. In all cases, the joint annuitants must be spouses. In addition, a spouse may be added as a joint annuitant under a
non-natural
owner contract upon conversion to the Guaranteed withdrawal benefit for life with a joint life option. See “Additional owner and annuitant requirements” under “Guaranteed withdrawal benefit for life.”
 
Under all IRA contracts, the owner and annuitant must be the same person. In some cases, an IRA contract may be held in a custodial individual retirement account for the benefit of the individual annuitant. See “Inherited IRA beneficiary continuation contract” for Inherited IRA owner and annuitant requirements.
 
For the Spousal continuation feature to apply, the spouses must either be joint owners, or, for Single owner contracts, the surviving spouse must be the sole primary beneficiary. The determination of spousal status is made under applicable state law. Certain
same-sex
civil union and domestic partners may not be eligible for tax benefits under federal law and in some circumstances will be required to take post-death distributions that dilute or eliminate the value of the contractual benefit.
 
Accumulator
®
Plus
SM
and Accumulator
®
Select
SM
contracts are not available for purchase by Charitable Remainder Trusts.
 
17

In general, we will not permit a contract to be owned by a minor unless it is pursuant to the Uniform Gifts to Minors Act or the Uniform Transfers to Minors Act in your state.
 
Under QP contracts, the owner must be the qualified plan trust and the annuitant must be the plan participant/employee. See Appendix “Purchase considerations for QP contracts” for more information on QP contracts.
 
Certain benefits under your contract, as described in this Prospectus, are based on the age of the owner. If the owner of the contract is not a natural person, these benefits will be based on the age of the annuitant. You may be permitted under the terms of your NQ contract to transfer ownership to a family member. In the event that ownership is changed to a family member, the original owner of the contract will remain the measuring life for determining contract benefits. Under QP contracts, all benefits are based on the age of the annuitant. In this Prospectus, when we use the
terms
owner and
joint owner, we intend these to be references to annuitant and joint annuitant, respectively, if the contract has a
non-natural
owner. If the Guaranteed minimum income benefit converts to the Guaranteed withdrawal benefit for life, the terms owner and Successor Owner are intended to be references to annuitant and joint annuitant, respectively, if the contract has a
non-natural
owner. If the contract is jointly owned or is issued to a
non-natural
owner and the Guaranteed withdrawal benefit for life is not in effect, benefits are based on the age of the older joint owner or older joint annuitant, as applicable. There are additional owner and annuitant requirements if the Guaranteed minimum income benefit converts to the Guaranteed withdrawal benefit for life. See “Guaranteed withdrawal benefit for life (“GWBL”)” in “Benefits available under the contract”
.
 
Purchase considerations for a charitable remainder trust
 
(This section only applies to Accumulator
®
and Accumulator
®
Elite
SM
contracts.)
 
If you are purchasing the contract to fund a charitable remainder trust and elect either an enhanced death benefit or the Guaranteed minimum income benefit (“GMIB”), which you may be able to convert to the Guaranteed withdrawal benefit for life (“GWBL”) at age 80, you should strongly consider “split-funding”: that is, the trust holds investments in addition to this contract. Charitable remainder trusts are required to take specific distributions. The charitable remainder trust annual withdrawal requirement may be equal to a percentage of the donated amount or a percentage of the current value of the donated amount. If your contract is the only source for such distributions, the payments you need to take may significantly reduce the value of those guaranteed benefits. Such amount may be greater than the annual increase in the GMIB, and/or the enhanced death benefit base and/or greater than the Guaranteed annual withdrawal amount under GWBL. See the discussion of these benefits later in this section.
How you can make your contributions
 
Except as noted below, contributions must be by check drawn on a U.S. bank, in U.S. dollars, and made payable to the Company (for subsequent contributions please write your contract number on the check). We may also apply contributions made pursuant to an intended Section 1035
tax-free
exchange or a direct transfer. We do not accept starter checks or travelers’ checks. All checks are subject to our ability to collect the funds. We reserve the right to reject a payment if it is received in an unacceptable form.
 
If your contract is sold by a financial professional of Equitable Advisors, LLC (Equitable Financial Advisors in MI and TN), (“Equitable Advisors”), Equitable Advisors will direct us to hold your initial contribution, whether received via check or wire, in a
non-interest
bearing “Special Bank Account for the Exclusive Benefit of Customers” while Equitable Advisors ensures your application is complete and that suitability standards are met. Equitable Advisors will either complete this process or instruct us to return your contribution to you within the applicable Financial Industry Regulatory Authority, Inc. (“FINRA”) time requirements. Upon timely and successful completion of this review, Equitable Advisors will instruct us to transfer your contribution into our
non-interest
bearing suspense account and transmit your application to us, so that we can consider your application for processing.
 
 
The “contract date” is the effective date of a contract. This usually is the business day we receive the properly completed and signed application, along with any other required documents, and your initial contribution. Your contract date will be shown in your contract. The 12 month period beginning on your contract date and each 12 month period after that date is a “contract year.” The end of each 12 month period is your “contract date anniversary.” For example, if your contract date is May 1, your contract date anniversary is April 30.
 
 
 
As described later in this Prospectus, we deduct guaranteed benefit and annual administrative charges from your account value on your contract date anniversary. If you elected the Guaranteed minimum income benefit, you can only exercise the benefit during the 30 day period following your contract date anniversary. Therefore, if your account value is not sufficient to pay fees on your next contract date anniversary, your contract will terminate without value and you will not have an opportunity to exercise your Guaranteed minimum income benefit unless the no lapse guarantee provision under your contract is still in effect. See “Effect of your account value falling to zero” in “Determining your contract’s value”.
 
 
If your application is in good order when we receive it for application processing purposes, your contribution will be applied within two business days. If any information we require to issue your contract is missing or unclear, we will hold your contribution while we try to obtain this information. If we are unable to obtain all of the information we require within five business days after we receive an incomplete application or form, we will inform the financial professional submitting the application on your behalf. We
 
18

will then return the contribution to you, unless you or your financial professional acting on your behalf, specifically direct us to keep your contribution until we receive the required information. The contribution will be applied as of the date we receive the missing information.
 
If your financial professional is with a selling broker-dealer other than Equitable Advisors, your initial contribution must generally be accompanied by a completed application and any other form we need to process the payments. If any information is missing or unclear, we will hold the contribution, whether received via check or wire, in a
non-interest
bearing suspense account while we try to obtain this information. If we are unable to obtain all of the information we require within five business days after we receive an incomplete application or form, we will inform the financial professional submitting the application on your behalf. We will then return the contribution to you unless you or your financial professional on your behalf, specifically direct us to keep your contribution until we receive the required information. The contribution will be applied as of the business day we receive the missing information.
 
 
Our “business day” is generally any day the New York Stock Exchange is open for regular trading and generally ends at 4:00 p.m. Eastern Time (or as of an earlier close of regular trading). A business day does not include a day on which we are not open due to emergency conditions determined by the SEC. We may also close early due to such emergency conditions. For more information about our business day and our pricing of transactions, please see “Dates and prices at which contract events occur.”
 
 
What are your investment options under the contract?
 
The contract provides the following investment options: the variable investment options, the guaranteed interest option and the account for special dollar cost averaging (for Accumulator
®
and Accumulator
®
Elite
SM
contracts) or the account for special money market dollar cost averaging (for Accumulator
®
Plus
SM
and Accumulator
®
Select
SM
contracts). The Portfolios shown in the Appendix “Portfolio Companies available under the contract” list each variable investment option. This section describes the guaranteed interest option. ”Benefits available under the contract” discusses dollar cost averaging in general, including the account for special dollar cost averaging (for Accumulator
®
and Accumulator
®
Elite
SM
contracts) or the account for special money market dollar cost averaging (for Accumulator
®
Plus
SM
and Accumulator
®
Select
SM
contracts).
 
Your investment options depend on whether you select Option A or Option B. If you elect Guaranteed minimum income benefit I — Asset Allocation, your contract will be restricted to Option A. If you elect GMIB II — Custom Selection or if you do not elect a GMIB, you can choose either Option A — Asset Allocation or Option B — Custom Selection. For additional information, see “Allocating your contributions”.
Variable investment options
 
Your investment results in any one of the variable investment options will depend on the investment performance of the underlying portfolios. You can lose your principal when investing in the variable investment options. In periods of poor market performance, the net return, after charges and expenses, may result in negative yields, including for the EQ/Money Market variable investment option.
 
We may, at any time, exercise our rights to limit or terminate your contributions, allocations and transfers to any of the variable investment options and to limit the number of variable investment options which you may select.
 
Portfolios of the Trust
 
We offer affiliated Trusts, which in turn offer one or more Portfolios. Equitable Investment Management Group, LLC (“Equitable IMG”) is an affiliate of the Company and serves as the investment adviser of the Portfolios of EQ Advisors Trust (the “affiliated Trust”). For some Portfolios, Equitable IMG has entered into sub-advisory agreements with one or more other investment advisers (the “sub-advisers”) to carry out investment decisions for the Portfolios. As such, among other responsibilities, Equitable IMG oversees the activities of the sub-advisers with respect to the affiliated Trust and is responsible for retaining or discontinuing the services of those sub-advisers.
 
Information regarding each of the currently available Portfolios, their type, their investment adviser(s) and/or subadviser(s), their current expenses, and their current performance is available in an appendix to the prospectus. See Appendix “Portfolio Companies available under the contract.”
 
Each Portfolio has issued a prospectus that contains more detailed information about the Portfolio. You should consider the investment objectives, risks, and charges and expenses of the Portfolios carefully before investing. In order to obtain copies of the Portfolios’ prospectuses, you may call one of our customer service representatives at 1-800-789-7771, or visit www.equitable.com/ICSR#EQH146638.
 
You should be aware that Equitable Advisors and Equitable Distributors, LLC (“Equitable Distributors”) (together, the “Distributors”) directly or indirectly receive 12b-1 fees from the Portfolios for providing certain distribution and/or shareholder support services. These fees will not exceed 0.25% of the Portfolios’ average daily net assets. The Portfolios’ sub-advisers and/or their affiliates may also contribute to the cost of expenses for sales meetings or seminar sponsorships that may relate to the contracts and/or the sub-advisers’ respective Portfolios. In addition, Equitable IMG receives advisory fees and Equitable Investment Management, LLC, an affiliate of Equitable IMG, receives administration fees in connection with the services to the Portfolios.
 
As a contract owner, you may bear the costs of some or all of these fees and payments through your indirect investment in the Portfolios. (See the Portfolios’ prospectuses for
 
19

more information.) These fees and payments, as well as the Portfolios’ investment management fees and administrative expenses, will reduce the underlying Portfolios’ investment returns. The Company and/or its affiliates may profit from these fees and payments. The Company considers the availability of these fees and payment arrangements during the selection process for the underlying Portfolios. These fees and payment arrangements may create an incentive for us to select Portfolios (and classes of shares of Portfolios) that pay us higher amounts.
 
Some Portfolios invest in other affiliated Portfolios (the “EQ Fund of Fund Portfolios”). The EQ Fund of Fund Portfolios offer contract owners a convenient opportunity to invest in other Portfolios that are managed and have been selected for inclusion in the EQ Fund of Fund Portfolios by Equitable IMG. Equitable Advisors, an affiliated broker-dealer of the Company, may promote the benefits of such Portfolios to contract owners and/or suggest that contract owners consider whether allocating some or all of their account value to such Portfolios is consistent with their desired investment objectives. In doing so, the Company, and/or its affiliates, may be subject to conflicts of interest insofar as the Company may derive greater revenues from the EQ Fund of Fund Portfolios than certain other Portfolios available to you under your contract. Please see “Allocating your contributions” for more information about your role in managing your allocations.
 
As described in more detail in the Portfolio prospectuses, the EQ Managed Volatility Portfolios may utilize a proprietary volatility management strategy developed by Equitable IMG (the “EQ volatility management strategy”), and, in addition, certain EQ Fund of Fund Portfolios may invest in affiliated Portfolios that utilize this strategy. The EQ volatility management strategy employs various volatility management techniques, such as the use of ETFs or futures and options, to reduce the Portfolio’s equity exposure during periods when certain market indicators indicate that market volatility is above specific thresholds set for the Portfolio. When market volatility is increasing above the specific thresholds set for a Portfolio utilizing the EQ volatility management strategy, the adviser of the Portfolio may reduce equity exposure. Although this strategy is intended to reduce the overall risk of investing in the Portfolio, it may not effectively protect the Portfolio from market declines and may increase its losses. Further, during such times, the Portfolio’s exposure to equity securities may be less than that of a traditional equity portfolio. This may limit the Portfolio’s participation in market gains and result in periods of underperformance, including those periods when the specified benchmark index is appreciating, but market volatility is high. It may also impact the value of certain guaranteed benefits, as discussed below.
 
You should be aware that having the GMIB and/or certain other guaranteed benefits limits your ability to invest in some of the variable investment options that would otherwise be available to you under the contract. See “Allocating your contributions” under “Benefits available under the
contract” for more information about the investment restrictions under your contract.
 
Portfolios that utilize the EQ volatility management strategy (or, in the case of certain EQ Fund of Fund Portfolios, invest in other Portfolios that use the EQ volatility management strategy) and investment option restrictions in connection with any guaranteed benefit that include these Portfolios are designed to reduce the overall volatility of your account value and provide you with risk-adjusted returns over time. The reduction in volatility helps us manage the risks associated with providing guaranteed benefits during times of high volatility in the equity market. During rising markets, the EQ volatility management strategy, however, could result in your account value rising less than would have been the case had you been invested in a Portfolio that does not utilize the EQ volatility management strategy (or, in the case of the EQ Fund of Fund Portfolios, invest exclusively in other Portfolios that do not use the EQ volatility management strategy).
This may effectively suppress the value of guaranteed benefit(s) that are eligible for periodic benefit base resets because your benefit base is available for resets only when your account value is higher.
Conversely, investing in investment options that use the EQ volatility management strategy may be helpful in a declining market when high market volatility triggers a reduction in the investment option’s equity exposure because during these periods of high volatility, the risk of losses from investing in equity securities may increase. In these instances, your account value may decline less than would have been the case had you not been invested in investment options that use the EQ volatility management strategy.
 
Please see the underlying Portfolio prospectuses for more information in general, as well as more information about the EQ volatility management strategy. Please further note that certain other Portfolios may utilize volatility management techniques that differ from the EQ volatility management strategy. Such techniques could also impact your account value and guaranteed benefit(s), if any, in the same manner described above. Please see the Portfolio prospectuses for more information about the Portfolios’ objective and strategies.
 
Asset Transfer Program.
  Portfolio allocations in certain of our variable annuity contracts with guaranteed benefits are subject to our Asset Transfer Program (ATP) feature. The ATP helps us manage our financial exposure in connection with providing certain guaranteed benefits, by using predetermined mathematical formulas to move account value between the EQ/Ultra Conservative Strategy Portfolio (an investment option utilized solely by the ATP) and the other Portfolios offered under those contracts. You should be aware that operation of the predetermined mathematical formulas underpinning the ATP has the potential to adversely impact the Portfolios, including their performance, risk profile and expenses. This means that Portfolio investments in contracts with no ATP feature, such as yours, could still be adversely impacted. Particularly during times of high market volatility, if the ATP triggers substantial asset flows
 
20

into and out of a Portfolio, it could have the following effects on all contract owners invested in that Portfolio:
 
(a)
By requiring a Portfolio sub-adviser to buy and sell large amounts of securities at inopportune times, a Portfolio’s investment performance and the ability of the sub-adviser to fully implement the Portfolio’s investment strategy could be negatively affected; and
 
(b)
By generating higher turnover in its securities or other assets than it would have experienced without being impacted by the ATP, a Portfolio could incur higher operating expense ratios and transaction costs than comparable funds. In addition, even Portfolios structured as funds-of-funds that are not available for investment by contract owners who are subject to the ATP could also be impacted by the ATP if those Portfolios invest in underlying funds that are themselves subject to significant asset turnover caused by the ATP. Because the ATP formulas generate unique results for each contract, not all contract owners who are subject to the ATP will be affected by operation of the ATP in the same way. On any particular day on which the ATP is activated, some contract owners may have a portion of their account value transferred to the EQ/Ultra Conservative Strategy Portfolio investment option and others may not. If the ATP causes significant transfers of total account value out of one or more Portfolios, any resulting negative effect on the performance of those Portfolios will be experienced to a greater extent by a contract owner (with or without the ATP) invested in those Portfolios whose account value was not subject to the transfers.
 
Guaranteed interest option
 
The guaranteed interest option is part of our general account and pays interest at guaranteed rates. We discuss our general account under “More information”.
 
We credit interest daily to amounts in the guaranteed interest option. The minimum rate may vary depending on your contract issue date but it will be shown on the data page for your contract and will never be less than 1.0%. We set current interest rates periodically, based on our sole discretion and according to our procedures that we have in effect at the time. We reserve the right to change these procedures. All interest rates are effective annual rates, but before the deduction of annual administrative charges and any withdrawal charges (if applicable).
 
We assign an interest rate to each amount allocated to the guaranteed interest option. This rate is guaranteed for a specified period. Therefore, different interest rates may apply to different amounts in the guaranteed interest option.
 
Generally, contributions and transfers into and out of the guaranteed interest option are limited. See “Transferring your money among the investment options” for restrictions on transfers to and from the guaranteed interest option.
 
If you elected a guaranteed benefit that provides a 5% roll-up, an allocation to the guaranteed interest option will effectively reduce the growth rate of your guaranteed benefits because the Roll-up to age 85 benefit base rolls up at 2%
with respect to amounts allocated to the guaranteed interest rate option. For more information, see “Guaranteed minimum death benefit and Guaranteed minimum income benefit base” in “Benefits available under the contract” and “Our administrative procedures for calculating your Roll-up benefit base following a transfer” in “Transferring your money among investment options”.
 
Account for special dollar cost averaging
 
(This section only applies to Accumulator
®
and Accumulator
®
Elite
SM
contracts.)
 
The account for special dollar cost averaging is part of our general account. We pay interest at enhanced guaranteed rates in this account for specified time periods. We will credit interest to the amounts that you have in the account for special dollar cost averaging every day. We set the interest rates periodically based on our discretion and according to procedures that we have. We reserve the right to change these procedures.
 
We guarantee to pay our current interest rate that is in effect on the date that your contribution is allocated to this account. Your guaranteed interest rate for the time period you select will be shown in your contract for an initial contribution. The rate will never be less than the lifetime minimum rate for the guaranteed interest option. See “Allocating your contributions” for rules and restrictions that apply to the special dollar cost averaging program.
 
Allocating your contributions
 
Your allocation alternatives and procedures depend on whether you select Option A — Asset Allocation or Option B — Custom Selection, which we describe in Appendix “Portfolio Companies available under the contract”. You must select either Option A — Asset Allocation or Option B — Custom Selection with your initial contribution. If you elect Guaranteed minimum income benefit I — Asset Allocation, your contract is restricted to Option A. If you elect Guaranteed minimum income benefit II — Custom Selection or if you don’t elect a Guaranteed minimum income benefit, you can choose either Option A or Option B. Upon conversion of GMIB to GWBL, your contract will be restricted to Option A. For more information about allocation changes upon an automatic conversion to the Guaranteed withdrawal benefit for life, see “Automatic conversion” in “Guaranteed withdrawal benefit for life”.
 
In addition, if you are permitted to allocate contributions of more than $1,500,000 to Accumulator
®
series contracts with the same owner or annuitant, we may restrict your contract to Option A. Subsequent contributions will be allocated according to the investment allocations on file. If you would like your subsequent contributions to be allocated differently, you must submit new allocation instructions on a form that we provide. We will not honor letters of instruction directing the allocation. If you submit new allocation instructions for subsequent contributions under Option B, those allocation instructions must comply with the Option B rules that are in effect at the time that you submit the new allocation instructions. Under certain circumstances you may be able or required to switch from Option A or B to the other, under rules we discuss below.
 
21

Option A — Asset Allocation
 
Under Option A, the Asset Allocation option, all of your account value must be allocated to one or more of the following options: (1) the EQ Strategic Allocation Portfolios as noted in Appendix “Portfolio Companies available under the contract”; (2) the guaranteed interest option; (3) the EQ/Money Market Portfolio; and (4) the account for special dollar cost averaging (for Accumulator
®
and Accumulator
®
Elite
SM
contracts) or the account for special money market dollar cost averaging (for Accumulator
®
Plus
SM
and Accumulator
®
Select
SM
contracts).
 
Allocations must be in whole percentages, and you may change your allocations at any time. No more than 25% of any contribution may be allocated to the guaranteed interest option. The total of your allocations into all available investment options must equal 100%. Your ability to allocate contributions to investment options may be subject to restrictions for contracts issued in certain states. See Appendix “State contract availability and/or variations of certain features and benefits” for state variations. Dollar cost averaging programs are available in connection with Option A, and they are discussed in “Dollar cost averaging”.
 
You can rebalance your account value under Option A by submitting a request to rebalance your account value as of the date we receive your request, however, scheduled recurring rebalancing is not available. Therefore, any subsequent rebalancing transactions would require a subsequent rebalancing request. Your rebalance request must indicate the percentage you want rebalanced in each investment option (whole percentages only) and must comply with the limits regarding transfers into and out of the guaranteed interest option. You can rebalance only to the investment options available under Option A.
 
When we rebalance your account, we will transfer amounts among the investment options so that the percentage of your account value in each option at the end of the rebalancing date matches the most recent allocation instructions that we have received from you. Rebalancing does not assure a profit or protect against loss, so you should periodically review your allocation percentages as your needs change.
 
Option B — Custom Selection
 
Under Option B, the Custom Selection option, all of your account value must be: (1) allocated to the variable investment options according to the category and investment option limits described in Appendix “Portfolios Companies available under the contract”; or (2) allocated to the account for special dollar cost averaging (for Accumulator
®
and Accumulator
®
Elite
SM
contracts) or the account for special money market dollar cost averaging (for Accumulator
®
Plus
SM
and Accumulator
®
Select
SM
contracts). The guaranteed interest option is not available under Option B.
 
If you do not elect the account for special dollar cost averaging (for Accumulator
®
and Accumulator
®
Elite
SM
contracts) or the account for special money market dollar cost averaging
(for Accumulator
®
Plus
SM
and Accumulator
®
Select
SM
contracts), all of your account value must be allocated among the investment options in the four categories as noted in Appendix “Portfolio Companies available under the contract”:
 
Your contributions in the four categories must also generally be allocated according to the following category and investment option limits.
 
Category and Investment option limits.  
The chart below sets forth the general category and investment option limits of Option B — Custom Selection.
 
Category
  
1
Fixed
Income
 
2
Core
Diversified
 
3
Small/Mid/
International
 
4
Specialty
Maximum for category    100%   70%   20%   10%
Minimum for category    30%   0%   0%   0%
Maximum for each option    15%
(1)
  15%
(2)
  10%
(3)
  5%
(1)
EQ/Core Bond Index, EQ/Intermediate Government Bond and EQ/Money Market have a 30% per option maximum limit.
(2)
EQ/Aggressive Growth Strategy, EQ/Balanced Strategy, EQ/Conservative Growth Strategy, EQ/Conservative Strategy, EQ/Growth Strategy and EQ/Moderate Growth Strategy have a 70% per option maximum limit. EQ/Common Stock Index, EQ/Equity 500 Index, EQ/ Large Cap Growth Index and EQ/Large Cap Value Index have a 35% per option maximum limit.
(3)
EQ/Mid Cap Index and EQ/Small Company Index have 20% per option maximum limit.
 
There are no minimum allocations for any one investment option. Allocations must be in whole percentages. The total of your allocations into all available investment options must equal 100%. Your ability to allocate contributions to investment options may be subject to restrictions in certain states. See Appendix “State contract availability and/or variations of certain features and benefits” for state variations.
 
Quarterly Rebalancing (Option B — Custom Selection only).
   Under Option B, your account value will be rebalanced automatically each quarter of your contract year. Rebalancing will occur on the same day of the month as your contract date. If that date is after the 28th of a month, rebalancing will occur on the first business day of the following month. If the date occurs on a date other than a business day, the rebalancing will occur on the next business day. The rebalance for the last quarter of the contract year will occur on the contract anniversary date. If this date occurs on a day other than a business day, the rebalance will occur on the business day immediately preceding the contract anniversary date. When we rebalance your account, we will transfer amounts among the investment options so that the percentage of your account value in each option at the end of the rebalancing date matches the most recent allocation instructions that we have received from you. Rebalancing does not assure a profit or protect against loss, so you should periodically review your allocation percentages as your needs change. You may request a rebalancing on the transaction date of a subsequent contribution.
 
22

Transfers.  
Generally, you may transfer your account value among the variable investment options. However, under Option A, a transfer into the guaranteed interest option (other than a transfer pursuant to a dollar cost averaging program) will not be permitted if such transfer would result in more than 25% of the account value being allocated to the guaranteed interest option, based on the account value as of the previous business day.
 
You may make transfers among the investment options available under Option B, provided that the transfer meets the category and investment option limits in place at the time of the transfer. In the remainder of this section, we explain our current Option B transfer rules, which we may change in the future. You may make a transfer from one investment option to another investment option within the same category provided the resulting allocation to the receiving investment option does not exceed the investment option maximum in place at the time of the transfer. You can make a transfer from an investment option in one category to an investment option in another category as long as the minimum rules for the transferring category, the minimum and maximum rules for the receiving category and the maximum rule for the receiving investment option are met. You may also request a transfer that would reallocate your account value based on percentages, provided those percentages are consistent with the category and investment option limits in place at the time of the transfer. In calculating the limits for any transfer, we use the account value percentages as of the date prior to the transfer. Transfer requests do not change the allocation instructions on file for any future contribution or rebalancing, although transfer requests will be considered subject to the Custom Selection rules at the time of the request. An investment option transfer under Option B does not automatically change your allocation instructions for the rebalancing of your account on a quarterly basis. This means that upon the next scheduled rebalancing, we will transfer amounts among your investment options pursuant to the allocation instructions previously on file for your account. If you wish to change your allocation instructions for the quarterly rebalancing of your account, these instructions must meet the category and investment option limits in place at the time of the transfer and must be made in writing on a form we provide and sent to the processing office. Please note, however, that an allocation change for future contributions will automatically change the rebalancing instructions on file for your account. We may, at any time, exercise our right to terminate transfers to any of the variable investment options and to limit the number of variable investment options which you may elect. For more information about transferring your account value, please see “Transferring your money among investment options”.
 
Allocation instruction changes.  
You may change your instructions for allocations of future contributions. Any revised allocation instructions will also be used for quarterly rebalancing. Any revised allocation instructions must meet the category and investment limits in place at the time that the instructions are received.
Possible changes to the category and investment option limits.  
We may in the future revise the category limits, the investment limits, the categories themselves, and the investment options within each category, as well as combine the investment options within the same or in different categories (collectively, “category and investment option limits”).
 
If we change our category and investment option limits, please note the following:
 
  Any amounts you have allocated among the variable investment options will
not
be automatically reallocated to conform with the new category and investment option limits.
 
  If your allocation instructions on file prior to a change to our category and investment option limits do
not comply
with our new category and investment option limits:
 
 
you will
not
be automatically required to change your allocation instructions;
 
 
if you make a subsequent contribution, you will
not
be required to change your allocation instructions;
 
 
if you initiate a transfer, you
will
be required to change your instructions.
 
  Any change to your allocation instructions must comply with our new category and investment option limits. Your new allocation instructions will apply to all future transactions, including subsequent contributions, transfers and rebalancing.
 
Switching between options
 
If you elect the Guaranteed minimum income benefit I — Asset Allocation, your contract will be restricted to Option A (even if you drop the Guaranteed minimum income benefit I — Asset Allocation). If you elect either Guaranteed minimum income benefit and it converts to the Guaranteed withdrawal benefit for life, your contract will be restricted to Option A at the time of the conversion. For more information about allocation changes upon an automatic conversion to the Guaranteed withdrawal benefit for life, see “Automatic conversion” in “Guaranteed withdrawal benefit for life”.
 
If you do not have the Guaranteed minimum income benefit I — Asset Allocation or have not converted to the Guaranteed withdrawal benefit for life, you may select either Option A or Option B. In addition, you may switch between Option A and Option B. There are currently no limits on the number of switches between options, but the Company reserves the right to impose a limit. If you move from one option to another, you are subject to the rules applicable to the new option that are in place at the time of the switch.
 
Your responsibility for allocation decisions
 
The contract is between you and the Company. The contract is not an investment advisory account, and the Company is not providing any investment advice or managing the allocations under your contract. In the absence of a specific written arrangement to the contrary, you, as the owner of
 
23

the contract, have the sole authority to make investment allocations and other decisions under the contract. If your financial professional is with Equitable Advisors, he or she is acting as a broker-dealer registered representative, and is not authorized to act as an investment advisor or to manage the allocations under your contract. If your financial professional is a registered representative with a broker-dealer other than Equitable Advisors, you should speak with him/her regarding any different arrangements that may apply.
 
Credits
(for Accumulator
®
Plus
SM
contracts only)
 
A credit will also be allocated to your account value at the same time that we allocate your contribution. Credits are allocated to the same investment options based on the same percentages used to allocate your contributions. We do not include credits in calculating any of your benefit bases under the contract, except to the extent that any credits are part of your account value, which is used to calculate the Annual Ratchet benefit bases or a
Roll-up
benefit base reset.
 
The amount of the credit will be 4% or 5% of each contribution based on the following breakpoints and rules:
 
First year total contributions
Breakpoints
  
Credit percentage
applied to
contributions
Less than $350,000    4%
$350,000 or more    5%
 
The percentage of the credit is based on your total first year contributions. This credit percentage will be credited to your initial contribution and each additional contribution made in the first contract year (after adjustment as described below). For QP contracts only, the credit percentage will also be credited for contributions in the second and later contract years. Please note that we may discontinue acceptance of contributions, including within the first contract year. The credit will apply to additional contributions only to the extent that the sum of that contribution and prior contributions to which no credit was applied exceeds the total withdrawals made from the contract since the issue date. The credit will not be applied in connection with a partial conversion of a traditional IRA contract to a Roth IRA contract.
 
For example, assume you make an initial contribution of $100,000 to your contract and your account value is credited with $4,000 (4% x $100,000). After that, you decide to withdraw $7,000 from your contract. Later, you make a subsequent contribution of $3,000. You receive no credit on your $3,000 contribution since it does not exceed your total withdrawals ($7,000). Further assume that you make another subsequent contribution of $10,000. At that time, your account value will be credited with $240 [4% x (10,000 + 3,000 – 7,000)].
 
Although the credit, as adjusted at the end of the first contract year, will be based upon first year total contributions, the following rules affect the percentage with which contributions made in the first contract year are credited during the first contract year:
  Indication of intent: If you indicate in the application at the time you purchase your contract an intention to make contributions to equal or exceed $350,000 in the first contract year (the “Expected First Year Contribution Amount”) and your initial contribution is at least $175,000, your credit percentage will be as follows:
 
 
For any contributions resulting in total contributions to date less than or equal to your Expected First Year Contribution Amount, the credit percentage will be the percentage that applies to the Expected First Year Contribution Amount based on the table above.
 
 
If at the end of the first contract year your total contributions were lower than your Expected First Year Contribution Amount such that the credit applied should have been 4%, we will recover any Excess Credit. The Excess Credit is equal to the difference between the credit that was actually applied based on your Expected First Year Contribution Amount (as applicable) and the credit that should have been applied based on first year total contributions. Here, that would be 1%.
 
 
The “Indication of intent” approach to first year contributions is not available in all states. Please see Appendix “State contract availability and/or variations of certain features and benefits” for more information on state availability.
 
For example:
 
In your application, you include an Indication of intent to contribute $350,000 and make an initial contribution of $200,000. You do not make any additional contributions in the first contract year. Your account value will initially be credited with $10,000 (5% x $200,000). On your contract date anniversary, your account value will be reduced by $2,000 (1% x $200,000).
 
  Upon advance notice to you, we may discontinue acceptance of contributions within the first contract year. Therefore, you may have less than a year to reach your Expected First Year Contribution Amount. We would recover any Excess Credit at the end of the first contract year.
 
  No indication of intent:
 
 
For your initial contribution (if available in your state) we will apply the credit percentage based upon the above table.
 
 
For any subsequent contribution that results in a higher applicable credit percentage (based on total contributions to date), we will increase the credit percentage applied to that contribution, as well as any prior or subsequent contributions made in the first contract year, accordingly.
 
24

In addition to the recovery of any Excess Credit, we will recover all of the credit or a portion of the credit in the following situations:
 
  If you exercise your right to cancel the contract, we will recover the entire credit made to your contract (see “Your right to cancel within a certain number of days”)
(1)
Also, you will not be reimbursed for any charges deducted before cancellation, except in states where we are required to return the amount of your contributions. In states where we are required to return your account value, the amount we return to you upon cancellation will reflect any investment gain or loss in the variable investment options (less the daily charges we deduct) associated with your contributions and the full amount of the credit. See “Charges and expenses” for more information.
 
  If you start receiving annuity payments within three years of making any contribution, we will recover the credit that applies to any contribution made within the prior three years. Please see Appendix “State contract availability and/or variations of certain features and benefits” for information on state variations.
 
  If the owner (or older joint owner, if applicable) dies during the
one-year
period following our receipt of a contribution to which a credit was applied, we will recover the amount of such credit.
 
For example:
 
You make an initial contribution of $100,000 to your contract and your account value is credited with $4,000 (4% x $100,000). If you (i) exercise your right to cancel the contract, (ii) start receiving annuity payments within three years of making the contribution, or (iii) die during the
one-year
period following the receipt of the contribution, we will recapture the entire credit and reduce your account value by $4,000.
 
We will recover any credit on a pro rata basis from the value in your variable investment options and guaranteed interest option. If there is insufficient value or no value in the variable investment options and guaranteed interest option, any additional amount of the withdrawal required or the total amount of the withdrawal will be withdrawn from the account for special money market dollar cost averaging.
 
We do not consider credits to be contributions for purposes of any discussion in this Prospectus. We do not include credits in calculating any of your benefit bases under the contract, except to the extent that any benefit base increases as the result of an annual ratchet based on an increase in your account value, which does include credits. Credits are also not considered to be part of your investment in the contract for tax purposes.
 
(1)
 
The amount we return to you upon exercise of this right to cancel will not include any credit or the amount of charges deducted prior to cancellation but will reflect, except in states where we are required to return the amount of your contributions, any investment gain or loss in the variable investment options associated with your contributions and with the full amount of the credit.
We use a portion of the mortality and expense risks charge and withdrawal charge to help recover our cost of providing the credit. We expect to make a profit from these charges. See “Charges and expenses”. The charge associated with the credit may, over time, exceed the sum of the credit and any related earnings. While we cannot state with any certainty when this will happen, we believe that it is likely that if you hold your Accumulator
®
Plus
SM
contract for 20 years, you may be better off in a contract without a credit, and with a lower mortality and expense risk charge. Your actual results will depend on the investment returns on your contract. Therefore, if you plan to hold the contract for an extended period of time, you may wish to consider purchasing a contract that does not include a credit. You should consider this possibility before purchasing the contract.
 
Inherited IRA beneficiary continuation contract
(For Accumulator
®
, Accumulator
®
Elite
SM
and Accumulator
®
Select
SM
contracts only)
 
The Inherited IRA beneficiary continuation contract is intended to provide options to beneficiaries in complying with federal income tax rules. There are a number of limitations on who can purchase the contract, how the contract is purchased, and the features that are available under the contract. A prospective purchaser should seek tax advice before making a decision to purchase the contract.
 
We offer the Inherited IRA beneficiary continuation contract to eligible beneficiaries under individual retirement arrangements (traditional or Roth) where the original individual retirement account or annuity was not issued by the Company. The beneficiary may want to change the investments of the “original IRA” inherited from the
now-deceased
IRA owner, but must take post-death required minimum distribution (“RMD”) payments from an IRA that was inherited. The Inherited IRA beneficiary continuation contract has provisions intended to meet post-death RMD rules, which are similar to those of the Beneficiary continuation option (“BCO”) restricted to eligible beneficiaries of contracts issued by the Company. See “Beneficiary continuation option for traditional IRA and Roth IRA contracts only” under “Beneficiary continuation option” in “Benefits available under the contract”. Further, since the Inherited IRA beneficiary continuation contract is intended to replace the investment originally selected by the
now-deceased
IRA owner, a prospective purchaser should carefully consider the features and investments available under the Inherited IRA beneficiary continuation contract, and the limitations and costs under the contract in comparison with the existing arrangement before making any purchase decision. Finally, the contract may not be available in all states. Please speak with your financial professional for further information.
 
25

Who can purchase an Inherited IRA beneficiary continuation contract
 
The Inherited IRA beneficiary continuation contract is offered only to beneficiaries of contracts not issued by the Company as follows:
 
  beneficiaries of IRAs who are individuals (“IRA beneficiaries”); and
 
  eligible
non-spousal
individual beneficiaries of deceased plan participants in qualified plans, 403(b) plans and governmental employer 457(b) plans (“Non-spousal Applicable Plan beneficiaries”). The purpose is to enable such beneficiaries to elect certain post-death RMD payment choices available to them under federal income tax rules, which may not be offered under the Applicable Plan.
 
Certain trusts with only individual beneficiaries are treated as individuals and are eligible to purchase the Inherited IRA beneficiary continuation contract if such trust is either an IRA beneficiary or a
Non-spousal
Applicable Plan beneficiary.
 
How an Inherited IRA beneficiary continuation contract is purchased
 
IRA Beneficiary.  
A traditional Inherited IRA beneficiary continuation contract can only be purchased by a direct transfer of the beneficiary’s interest under the deceased owner’s original traditional IRA. An Inherited Roth IRA beneficiary continuation contract can only be purchased by a direct transfer of the beneficiary’s interest under the deceased owner’s original Roth IRA. In this discussion, “you” refers to the owner of the Inherited IRA beneficiary continuation contract. The owner of the Inherited IRA beneficiary continuation contract owns the contract in his/her capacity as beneficiary of the original traditional or Roth IRA, and not in his/her own right. For this reason, the contract must also contain the name of the deceased owner.
 
Non-spousal
Applicable Plan beneficiary.  
In the case of a
non-spousal
beneficiary under a deceased plan participant’s Applicable Plan, the Inherited IRA can only be purchased by a direct rollover of the death benefit under the Applicable Plan. In this discussion, “you” refers to the owner of the Inherited IRA beneficiary continuation contract. The owner of the Inherited IRA beneficiary continuation contract owns the contract in his/her capacity as beneficiary of the deceased plan participant, and not in his/her own right. For this reason, the contract must also contain the name of the deceased plan participant. In this discussion, references to “deceased owner” include “deceased plan participant”; references to “original IRA” include “the deceased plan participant’s interest or benefit under the Applicable Plan”, and references to “individual beneficiary of a traditional IRA” include “individual
non-spousal
beneficiary under an Applicable Plan.”
 
Limitations on certain features under the Inherited IRA beneficiary continuation contract
 
When the Inherited IRA beneficiary continuation contract is owned by an IRA beneficiary:
 
  The Inherited IRA beneficiary continuation contract can be purchased even though you have already begun
   
taking post-death RMD payments of your interest as a beneficiary from the deceased owner’s original IRA. You should discuss with your own tax adviser when payments must begin or must be made.
 
  The initial contribution must be a direct transfer from the deceased owner’s original IRA and is subject to minimum contribution amounts. See Appendix “Rules regarding contributions to your contract” for more information.
 
  Subsequent contributions of at least $1,000 are permitted but must be direct transfers of your interest as a beneficiary from another IRA with a financial institution other than the Company, where the deceased owner is the same as under the original IRA contract. Subsequent contributions are limited to the first contract year only (for Accumulator
®
and Accumulator
®
Elite
SM
contracts only).
 
  If the deceased owner died on or before December 31, 2019 or you are an “eligible designated beneficiary” (as defined later in this Prospectus) electing to stretch out your payments over your life expectancy, the Inherited IRA contract is designed to pay you at least annually (but you can elect to receive payments monthly or quarterly). Payments are generally made over your life expectancy determined in the calendar year after the deceased owner’s death and determined on a term certain basis. However, for certain Inherited IRAs, if you maintain another IRA of the same type (traditional or Roth) of the same deceased owner and you are also taking distributions over your life from that inherited IRA, you may qualify to take an amount from that other inherited IRA which would otherwise satisfy the amount required to be distributed from our Inherited IRA contract. If you choose not to take a payment from your Inherited IRA contract in any year, you must notify us in writing before we make the payment from the Inherited IRA contract, and we will not make any future payment unless you request in writing a reasonable time before we make such payment. If you choose to take a required payment from another inherited IRA, you are responsible for calculating the appropriate amount and reporting it on your income tax return. Please feel free to speak with your financial professional, or call our processing office, if you have any questions.
 
  If you are not an eligible designated beneficiary and the deceased owner died after December 31, 2019, the Inherited IRA contract is designed to allow you to withdraw money whenever you want, so long as all amounts within the contract are withdrawn within ten years of the deceased owner’s death. In this case, the Inherited IRA contract can only be purchased if you have at least 8 years remaining on the 10 year post-death payment period.
 
When the Inherited IRA beneficiary continuation contract is owned by a
Non-spousal
Applicable Plan beneficiary:
 
  The initial contribution must be a direct rollover from the deceased plan participant’s Applicable Plan and is subject to minimum contribution amounts. See Appendix “Rules regarding contributions to your contract” for more information.
 
26

  There are no subsequent contributions.
 
  If the deceased participant died on or before December 31, 2019 or you are an “eligible designated beneficiary” (as defined later in this Prospectus) electing to stretch out your payments over your life expectancy, you must receive payments at least annually (but can elect to receive payments monthly or quarterly). Payments are generally made over your life expectancy determined in the calendar year after the deceased owner’s death and determined on a term certain basis.
 
  If you are not an eligible designated beneficiary and the deceased participant died after December 31, 2019, the Inherited IRA contract is designed to allow you to withdraw money whenever you want, so long as all amounts within the contract are withdrawn within ten years of the deceased participant’s death. In this case, the Inherited IRA contract can only be purchased if you have at least 8 years remaining on the 10 year post-death payment period.
 
  You must receive payments from the Inherited IRA contract even if you are receiving payments from another IRA derived from the deceased plan participant.
 
Features of the Inherited IRA beneficiary continuation contract which apply to either type of owner:
 
  The beneficiary of the original IRA (or the
Non-spousal
Applicable Plan beneficiary) will be the annuitant under the Inherited IRA beneficiary continuation contract. In the case where the beneficiary is a “see-through trust,” the oldest beneficiary of the trust will be the annuitant.
 
  An inherited IRA beneficiary continuation contract is not available for owners over age 70.
 
  You may make transfers among the investment options.
 
  You may choose at any time to withdraw all or a portion of the account value. Any partial withdrawal must be at least $300. Withdrawal charges will apply as described in “Charges and expenses”. Please note that withdrawal charges do not apply to Accumulator
®
Select
SM
contracts.
 
  The GMIB I — Asset Allocation, GMIB II — Custom Selection and the “Greater of” enhanced death benefits, Spousal continuation, special dollar cost averaging program, special money market dollar cost averaging program and systematic withdrawals are not available under the Inherited IRA beneficiary continuation contract.
 
  If you die, we will pay to a beneficiary that you choose the greater of the account value or the applicable death benefit.
 
  Upon your death, your beneficiary has the following options: (1) if you were an EDB or the deceased owner (or deceased participant) died on or before December 31, 2019, your beneficiary must withdraw any remaining amount within ten years of your death; or (2) if you were not an EDB, the beneficiary must withdraw any remaining amount within 10 years of the deceased owner’s (or deceased participant’s) death. The option elected will be
   
processed when we receive satisfactory proof of death, any required instructions for the method of payment and any required information and forms necessary to effect payment. If your beneficiary elects to continue to take distributions, we will increase the account value to equal the applicable death benefit if such death benefit is greater than such account value as of the date we receive satisfactory proof of death and any required instructions, information and forms. Thereafter, withdrawal charges will no longer apply (if applicable under your Accumulator
®
Series contract). If you had elected an enhanced death benefit, it will no longer be in effect and charges for such benefit will stop. The Guaranteed minimum death benefit will also no longer be in effect.
 
Your right to cancel within a certain number of days
 
If for any reason you are not satisfied with your contract, you may return it to us for a refund. To exercise this cancellation right you must mail the contract, with a signed letter of instruction electing this right, to our processing office within 10 days after you receive it. If state law requires, this “free look” period may be longer. Other state variations may apply. Please contact your financial professional and/or see Appendix “State contract availability and/or variations of certain features and benefits” to find out what applies in your state.
 
Generally, your refund will equal your account value under the contract on the day we receive notification to cancel the contract and will reflect (i) any investment gain or loss in the variable investment options (less the daily charges we deduct), (ii) any guaranteed interest in the guaranteed interest option and (iii) any interest in the account for special dollar cost averaging, through the date we receive your contract. Some states, however, require that we refund the full amount of your contribution (not reflecting (i), (ii), or (iii) above). For any IRA contract returned to us within seven days after you receive it, we are required to refund the full amount of your contribution. Please note that the account for special dollar cost averaging is available to Accumulator
®
and Accumulator
®
Elite
SM
contract owners only.
 
For Accumulator
®
Plus
SM
contract owners, please note that you will forfeit the credit by exercising this right of cancellation.
 
We may require that you wait six months before you may apply for a contract with us again if:
 
  you cancel your contract during the free look period; or
 
  you change your mind before you receive your contract whether we have received your contribution or not.
 
Please see “Tax information” for possible consequences of cancelling your contract.
 
If you fully convert an existing traditional IRA contract to a Roth IRA contract, you may cancel your Roth IRA contract and return to a traditional IRA contract. Our processing office, or your financial professional, can provide you with the cancellation instructions.
 
27

In addition to the cancellation right described above, you have the right to surrender your contract, rather than cancel it. Please see “Surrendering your contract to receive its cash value”. Surrendering your contract may yield results different than canceling your contract, including a greater potential for taxable income. In some cases, your cash value upon surrender may be greater than your contributions to the contract. Please see “Tax information”.
    
 
28

2.
Benefits available under the contract
 
 
 
Summary of Benefits
 
The following tables summarize important information about the benefits available under the contract.
 
Death Benefits
 
These death benefits are available during the accumulation phase:
 
Name of Benefit
 
Purpose
 
Standard/
Optional
 
Annual Fee
 
Brief Description of
Restrictions/Limitations
 
Max
 
Current
Standard Death Benefit   Guarantees beneficiaries will receive a benefit at least equal to contributions less your adjusted withdrawals.   Standard  
No Additional
Charge
 
•   Available only at contract purchase
•   Available with or without the GMIB
•   Withdrawals could significantly reduce or terminate benefit
Annual Ratchet to age 80   Locks in highest account value up to the specified contract anniversary as a minimum death benefit.   Optional  
0.25
%
 
•   Available only at contract purchase
•   Available with or without the GMIB
•   Withdrawals could significantly reduce or terminate benefit
Annual Ratchet to age 80 (New York and Washington)   Locks in highest account value up to the specified contract anniversary as a minimum death benefit.   Optional  
0.30
%
 
•   Available only at contract purchase
•   Available with or without the GMIB
•   Withdrawals could significantly reduce or terminate benefit
Greater of 5%
Roll-up
to age 80 or Annual Ratchet to age 80 (“Greater of” GMDB I)
  Guarantees the beneficiaries will receive at least the greater of the Roll-up benefit base and the Annual Ratchet benefit base.   Optional   1.05%
(1)
  0.90%
(1)
 
•   Available only at contract purchase
•   Withdrawals could significantly reduce or terminate benefit
•   Subject to restrictions on investment options
Greater of 5%
Roll-up
to age 80 or Annual Ratchet to age 80 (“Greater of” GMDB II)
  Guarantees the beneficiaries will receive at least the greater of the Roll-up benefit base and the Annual Ratchet benefit base.   Optional   1.25%
(1)
  1.10%
(1)
 
•   Available only at contract purchase
•   Withdrawals could significantly reduce or terminate benefit
•   Subject to restrictions on investment options
 
(1)
Expressed as an annual percentage of the benefit base.
 
29

Living Benefits
 
These living benefits are available during the accumulation phase:
 
Name of Benefit
 
Purpose
 
Standard/
Optional
 
Annual Fee
 
Brief Description of
Restrictions/Limitations
 
Max
 
Current
GMIB I – Asset Allocation   Guaranteed a minimum amount of fixed income under a life annuity fixed payout option.   Optional   1.20%
(1)
  0.90%
(1)
 
•   Available only at contract purchase
•   Restricted to owners of certain ages
•   Excess withdrawals could significantly reduce or terminate benefit
•   Subject to restrictions on investment options
GMIB II – Custom Selection   Guaranteed a minimum amount of fixed income under a life annuity fixed payout option.   Optional   1.40%
(1)