Filed with the Securities and Exchange Commission on July 6, 2026

REGISTRATION NO. 333-285625

 

SECURITIES AND EXCHANGE COMMISSION

WASHINGTON, D.C. 20549

 

 

FORM N-4

 

 

REGISTRATION STATEMENT

UNDER

		THE SECURITIES ACT OF 1933		☒

		POST-EFFECTIVE AMENDMENT NO. 3		☒

EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA

(NAME OF INSURANCE COMPANY)

8501 IBM Drive, Suite 150, Charlotte, NC 28262-4333

(Address of Insurance Company’s Principal Executive Offices)

Insurance Company’s Telephone Number, including Area Code: 212-554-1234

 

 

Alfred Ayensu-Ghartey

Vice President and Associate General Counsel

Equitable Financial Life Insurance Company of America

8501 IBM Drive, Suite 150, Charlotte, NC 28262-4333

(Name and Address of Agent for Service)

 

 

APPROXIMATE DATE OF PROPOSED PUBLIC OFFERING: Continous

It is proposed that this filing will become effective: (check appropriate box)

 

☐	immediately upon filing pursuant to paragraph (b)

 

☒	on July 31, 2026 pursuant to paragraph (b)

 

☐	60 days after filing pursuant to paragraph (a)(l)

 

☐	on (date) pursuant to paragraph (a)(l) of rule 485 under the Securities Act of 1933 (“Securities Act”).

If appropriate, check the following box:

 

☐	this post-effective amendment designates a new effective date for a previously filed post-effective amendment.

Check each box that appropriately characterizes the Registrant:

 

☐	New Registrant (as applicable, a Registered Separate Account or Insurance Company that has not filed a Securities Act registration statement or amendment thereto within 3 years preceding this filing)

 

☐	Emerging Growth Company (as defined by Rule 12b-2 under the Securities Exchange Act of 1934 (“Exchange Act”))

 

☐	If an Emerging Growth Company, indicate by check mark if the Registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 7(a)(2)(B) of Securities Act

 

☒	Insurance Company relying on Rule 12h-7 under the Exchange Act

 

☐	Smaller reporting company (as defined by Rule 12b-2 under the Exchange Act)

 

 

Pursuant to Rule 485(B)(1)(iii) of the Securities Act of 1933, the sole purpose of this Post-Effective Amendment No. 3 is to delay the effective date of Post-Effective Amendment No. 2, which was filed on May 8, 2026. The Post-Effective Amendment does not amend or delete the currently effective Prospectus or Statement of Additional Information or any other part of the Registration Statement except as specifically noted herein. We will make a filing pursuant to Rule 485(B) at a future date which incorporates all staff comments and any required missing information or items.

SIGNATURES

Pursuant to the requirements of the Securities Act of 1933 Insurance Company certifies that it meets all of the requirements for effectiveness of this registration statement under Rule 485(b) under the Securities Act and has caused this Registration Statement to be signed on its behalf, by the undersigned, duly authorized, in the City and State of New York on the 6th day of July, 2026.

 

SIGNATURES

Pursuant to the requirements of the Securities Act of 1933, this Registration Statement has been signed by the following persons in the capacities and on the date indicated:

 

PRINCIPAL EXECUTIVE OFFICER:
*Mark Pearson		Chief Executive Officer and Director
PRINCIPAL FINANCIAL OFFICER:
*Robin Raju		Chief Financial Officer
PRINCIPAL ACCOUNTING OFFICER:
*William Eckert		Chief Accounting Officer
*DIRECTORS:

 

Douglas A. Dachille
Francis Hondal		Joan Lamm-Tennant		Bertram Scott
Arlene Isaacs-Lowe		Craig MacKay		George Stansfield
Daniel G. Kaye		Mark Pearson		Charles G. T. Stonehill

 

*By:		/s/ Alfred Ayensu-Ghartey
		Alfred Ayensu-Ghartey
		Attorney-in-Fact
		July 6, 2026