EQUITABLE
☐ Equitable Financial Life
Insurance Company
☐ Equitable Financial Life Insurance Company of America
Mailing address: PO BOX 1420 Charlotte, NC 28201-1420
Section B – COIL
Institutional Series® Investment Options Supplement
Variable Universal Life
Proposed Insured Date of Birth (mm/dd/yyyy)
1. Initial Allocation of the
Investment Options1
Please see the Prospectus for a description of the investment objectives for each Investment Option. (Whole Percentages only.)
For Premiums For Premiums Guaranteed Interest Account % EQ/Intermediate Corporate Bond % 1290 VT Convertible Securities % EQ/Intermediate Government Bond % 1290 VT DoubleLine
Opportunistic Bond % EQ/International Core Managed Volatility % 1290 VT Equity Income % EQ/International Equity Index % 1290 VT GAMCO Mergers & Acquisitions % EQ/International Value Managed Volatility % 1290 VT GAMCO Small Company Value %
EQ/Invesco Comstock % 1290 VT Multi-Alternative Strategies % EQ/Invesco Global % 1290 VT Natural Resources % EQ/Invesco Global Real Assets % 1290 VT Real Estate % EQ/Janus Enterprise % 1290 VT Small Cap Value % EQ/JPMorgan Growth Stock % 1290 VT
SmartBeta Equity ESG % EQ/JPMorgan Value Opportunities % 1290 VT Socially Responsible % EQ/Large Cap Core Managed Volatility % AB VPS Discovery Value % EQ/Large Cap Growth Index % American Funds Insurance Series® EQ/Large Cap Growth Managed
Volatility % Asset Allocation Fund % EQ/Large Cap Value Index % American Funds Insurance Series® EQ/Long-Term Bond % Global Small CapitalizationSM % EQ/Loomis Sayles Growth % American Funds Insurance Series® New World® % EQ/MFS
International Growth % BlackRock Global Allocation V.I. % EQ/MFS International Intrinsic Value % EQ/AB Small Cap Growth % EQ/MFS Mid Cap Focused Growth % EQ/Aggressive Allocation % EQ/MFS Technology % EQ/All Asset Growth Allocation % EQ/MFS
Utilities Series % EQ/American Century Mid Cap Value % EQ/Mid Cap Index % EQ/ClearBridge Large Cap Growth ESG % EQ/Mid Cap Value Managed Volatility % EQ/Common Stock Index % EQ/Moderate Allocation % EQ/Conservative Allocation % EQ/Moderate-Plus
Allocation % EQ/Conservative-Plus Allocation %
EQ/Money Market % EQ/Core Bond Index % EQ/Morgan Stanley Small Cap Growth % EQ/Core Plus Bond % EQ/PIMCO Global Real
Return % EQ/Emerging Markets Equity PLUS % EQ/PIMCO Real Return % EQ/Equity 500 Index % EQ/PIMCO Total Return ESG % EQ/Franklin Rising Dividends % EQ/PIMCO Ultra Short Bond % EQ/Goldman Sachs Mid Cap Value %
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1. Initial Allocation of the Investment Options1 (continued)
For Premiums For Premiums EQ/Small Company Index % T. Rowe Price Blue Chip Growth % EQ/T. Rowe Price Health Sciences % T. Rowe Price Equity Income II % EQ/Value Equity % T. Rowe
Price Mid-Cap Growth % Equitable Conservative Growth MF/ETF % Templeton Developing Markets VIP % Equitable Growth MF/ETF % Templeton Global Bond VIP % Equitable Moderate Growth MF/ETF % VanEck VIP Global
Resources % Fidelity VIP Asset Manager 70% Portfolio % Market Stabilizer Option® II2
Fidelity VIP Mid Cap % Standard Indexed Option(s)
Fidelity VIP Value % S&P 500 1 Year—10% Downside Protection % Franklin Small Cap Value VIP % S&P 500 1 Year—15% Downside Protection % Invesco V.I. Diversified
Dividend % S&P 500 1 Year—20% Downside Protection % Janus Henderson Balanced Portfolio % Step Up Indexed Option(s) Lord Abbett Bond Debenture % S&P 500 1 Year—10% Downside Protection % Macquarie VIP High Income Series % Dual
Direction Indexed Option(s) Multimanager Aggressive Equity % S&P 500 1 Year—10% Downside Protection % Multimanager Technology % TOTAL 100% PIMCO VIT CommodityRealReturn Strategy %
1 Your Policy Account will be allocated according to these percentages as of the Investment Start Date. Any payments we receive prior to your Investment Start Date will be held in
a non-interest bearing account until your Investment Start Date.
The ‘‘Investment Start Date’’ is the
latest of: (1) the business day we receive the minimum initial premium at our Administrative
Office; (2) the Register Date of your policy; and
(3) the issue date of your policy. If you pay the minimum initial premium when you submit your application, this definition of Investment Start Date takes precedence over the policy’s provision regarding when your premium payment is
allocated to your Policy Account.
2 If you allocate to any of the Indexed Options of the Market Stabilizer Option® II, such portion of your Policy Account will
be allocated to the applicable Market Stabilizer Option® II Holding Account(s) and held until the later of: (1) the business day that coincides with or next follows the end of the Free-Look Period (e.g., 10 days from the signed date on the
Delivery Receipt); and (2) the business day the Delivery Receipt is received in our Administrative Office. Thereafter, such amount will be transferred to the applicable options of the Market Stabilizer Option® II at the next available
Segment Start Date, provided that the conditions specified in the rider and the Prospectus are met.
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2. Market Stabilizer Option® II
Allocations if
the Market Stabilizer Option® II is Elected
Market Stabilizer Option® II (Variable Indexed Options Rider)
For each Indexed Option, you can specify a minimum Growth Cap Rate below which you do not wish to participate in a Segment.
In the event that a Growth Cap Rate is set for a new Segment and that rate is less than the rate you specified, if any, any amount in the Market Stabilizer Option® II Holding
Account for the applicable Indexed Option will not be transferred into that new Segment. For any Indexed Option, if you do not specify a minimum Growth Cap Rate, any amount in the Market Stabilizer Option® II Holding Account for the applicable
Indexed Option will be transferred into that new Segment, subject to the requirements, conditions, and limitations described in the Variable Indexed Options Rider. You may specify a minimum Growth Cap Rate for each Indexed Option by completing the
election form.
3. Automatic Transfer Service
Note: Not available if you elect
the Asset Rebalancing Service. The Guaranteed Interest Account is not an available option with Automatic Transfer Service.
The Automatic Transfer service enables
you to make automatic monthly or quarterly transfers from the EQ/Money Market Investment Option to other Variable Investment Options that you select. A minimum of $5,000 must be allocated to the EQ/Money Market Investment Option. Each transfer must
be at least $250 across all funds. The automatic transfer is effective on the 10th of the first month or the 10th of first calendar quarter after the Free-Look period ends. The Free-Look period ends on the later of: (1) the business day the
Delivery Receipt is received in our Administrative Office; and (2) 10 days from the signed date on the
Delivery Receipt. Please choose the frequency at which you
would like the transfer(s) to occur (this will be the same across all funds): ☐ Monthly ☐ Quarterly
Investment Options to Receive Transfer: Dollar
Amount: $ $ $ $ $
I (We), have read the detailed description of the Automatic Transfer Service in the prospectus. My (Our) instructions will remain in effect until
(a) I (We) provide new written instructions or (b) the Automatic Transfer Service otherwise terminates as described in the prospectus. I (We) understand that use of the Automatic Transfer Service does not guarantee a profit and will not
protect against loss in a declining market.
4. Asset Rebalancing Service
NOTE: Not available if you elect the Automatic Transfer Service. Neither the Guaranteed Interest Account nor the Market Stabilizer Option® II are available
options with Asset Rebalancing Service.
☐ Allocation among the variable investment options will be re-adjusted
according to the percentage you indicated in the Initial Allocation of the Investment Options section on a calendar quarter basis. Asset Rebalancing is effective on the 10th of the first calendar quarter after the Free-Look period ends and quarterly
thereafter. The Free-Look period ends on the later of: (1) the business day the Delivery Receipt is received in our Administrative Office; and (2) 10 days from the signed date on the Delivery
Receipt.
I (We) have read the detailed description of the Asset Rebalancing Service in the
prospectus. My (Our) instructions will remain in effect until: (a) I (We) provide new written instructions or (b) Asset Rebalancing otherwise terminates as described in the prospectus.
I (We) understand that the use of the Asset Rebalancing Service does not guarantee a profit and will not protect against loss in a declining market.
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5. Suitability
Have you, the Proposed Insured and
Owner, if other than the Proposed Insured, received:
(a) the most current prospectus, and supplement(s) if applicable, for the policy(ies) applied for? ☐ Yes
☐ No (b) the most current prospectus, and supplement(s) if applicable, for the designated investment company(ies)? ☐ Yes ☐ No
Do you
understand that (i) policy values reflect certain deductions and charges, and may increase or decrease depending on credited interest for the Guaranteed Interest Account and/or the investment experience of Separate Account Funds and
(ii) the cash value may be subject to a surrender charge, if any, upon policy surrender, lapse or face amount reduction? ☐ Yes ☐ No With this in mind, is (are) the policy(ies) in accord with your insurance and long-term investment
objectives and anticipated financial needs? ☐ Yes ☐ No
Remarks
I
(WE) UNDERSTAND THAT THE POLICY VALUES AND THE DEATH BENEFIT MAY INCREASE OR DECREASE IN
ACCORDANCE WITH THE INVESTMENT EXPERIENCE OF THE VARIABLE SUBACCOUNTS
(SUBJECT TO ANY SPECIFIED MINIMUM GUARANTEES).
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