Registered index-linked annuity · SEC-registered · defined downside design
Structured Capital Strategies Income
Issued by Equitable Financial Life Insurance Company of America
The upside term is shown with its index, term, downside rule, and fee status. This indexed segment can lose value.
Every segment, by index and downside design
Read across a row to compare the upside term under each published downside design. Current rates for the selected state and $100,000 premium; every percentage identifies what it is.
0%/yr strategy fee is the table default.
Swipe horizontally to compare every protection level.
| Index · term | 10% buffer | 15% buffer | 20% buffer | 40% buffer |
|---|---|---|---|---|
| S&P 500 | ||||
| 1-yearPoint-to-point | 17% cap Segment detailsMinimum cap: 2%Minimum participation: 100%Minimum buffer: 10%13.5% cap Segment detailsMinimum cap: 2%Minimum participation: 100%Minimum buffer: 10%13% cap Segment detailsMinimum cap: 2%Minimum participation: 125%Minimum buffer: 10%9.5% cap Segment detailsMinimum cap: 2%Minimum participation: 100%Minimum buffer: 10%18% cap Segment detailsMinimum cap: 2%Minimum participation: 100%Minimum buffer: 10%14.5% cap Segment detailsMinimum cap: 2%Minimum participation: 100%Minimum buffer: 10%11.5% cap Segment detailsMinimum cap: 2%Minimum participation: 100%Minimum buffer: 10%14% cap Segment detailsMinimum cap: 2%Minimum participation: 125%Minimum buffer: 10% | 13.5% cap Segment detailsMinimum cap: 2%Minimum participation: 100%Minimum buffer: 15%10% cap Segment detailsMinimum cap: 2%Minimum participation: 100%Minimum buffer: 15%15% cap Segment detailsMinimum cap: 2%Minimum participation: 100%Minimum buffer: 15%11% cap Segment detailsMinimum cap: 2%Minimum participation: 100%Minimum buffer: 15% | 11.5% cap Segment detailsMinimum cap: 2%Minimum participation: 100%Minimum buffer: 20%12% cap Segment detailsMinimum cap: 2%Minimum participation: 100%Minimum buffer: 20% | 8% cap Segment detailsMinimum cap: 2%Minimum participation: 100%Minimum buffer: 40%8.5% cap Segment detailsMinimum cap: 2%Minimum participation: 100%Minimum buffer: 40% |
| 1-yearPerformance trigger | 11% trigger rate Segment detailsMinimum trigger rate: 11%Minimum participation: 100%Minimum buffer: 10%12% trigger rate Segment detailsMinimum trigger rate: 12%Minimum participation: 100%Minimum buffer: 10% | 10% trigger rate Segment detailsMinimum trigger rate: 10%Minimum participation: 100%Minimum buffer: 15%11.5% trigger rate Segment detailsMinimum trigger rate: 11.5%Minimum participation: 100%Minimum buffer: 15% | — | — |
| 3-yearPoint-to-point | 75% cap Segment detailsMinimum cap: 6%Minimum participation: 100%Minimum buffer: 10%16% cap Segment detailsMinimum cap: 2%Minimum participation: 100%Minimum buffer: 10%42.5% cap Segment detailsMinimum cap: 6%Minimum participation: 110%Minimum buffer: 10%45% capPublished rate instance 1 Segment detailsMinimum cap: 6%Minimum participation: 100%Minimum buffer: 10%37.5% cap Segment detailsMinimum cap: 6%Minimum participation: 125%Minimum buffer: 10%25% cap Segment detailsMinimum cap: 6%Minimum participation: 100%Minimum buffer: 10%200% cap Segment detailsMinimum cap: 6%Minimum participation: 100%Minimum buffer: 10%17% cap Segment detailsMinimum cap: 2%Minimum participation: 100%Minimum buffer: 10%65% cap Segment detailsMinimum cap: 6%Minimum participation: 110%Minimum buffer: 10%190% cap Segment detailsMinimum cap: 6%Minimum participation: 100%Minimum buffer: 10%30% cap Segment detailsMinimum cap: 6%Minimum participation: 100%Minimum buffer: 10%45% capSelected contract rate instance Segment detailsMinimum cap: 6%Minimum participation: 125%Minimum buffer: 10% | 60% capPublished rate instance 1 Segment detailsMinimum cap: 6%Minimum participation: 100%Minimum buffer: 15%40% capPublished rate instance 1 · entry 1 Segment detailsMinimum cap: 6%Minimum participation: 100%Minimum buffer: 15%40% capPublished rate instance 1 · entry 2 Segment detailsMinimum cap: 6%Minimum participation: 110%Minimum buffer: 15%35% cap Segment detailsMinimum cap: 6%Minimum participation: 125%Minimum buffer: 15%150% cap Segment detailsMinimum cap: 6%Minimum participation: 100%Minimum buffer: 15%60% capSelected contract rate instance Segment detailsMinimum cap: 6%Minimum participation: 100%Minimum buffer: 15%45% cap Segment detailsMinimum cap: 6%Minimum participation: 110%Minimum buffer: 15%40% capSelected contract rate instance Segment detailsMinimum cap: 6%Minimum participation: 125%Minimum buffer: 10% | 50% cap Segment detailsMinimum cap: 6%Minimum participation: 100%Minimum buffer: 20%35% cap Segment detailsMinimum cap: 6%Minimum participation: 100%Minimum buffer: 20%40% cap Segment detailsMinimum cap: 6%Minimum participation: 100%Minimum buffer: 20%55% cap Segment detailsMinimum cap: 6%Minimum participation: 100%Minimum buffer: 20% | 30% cap Segment detailsMinimum cap: 6%Minimum participation: 100%Minimum buffer: 40%35% cap Segment detailsMinimum cap: 6%Minimum participation: 100%Minimum buffer: 40% |
| 3-yearPerformance trigger | 28% trigger rate Segment detailsMinimum trigger rate: 28%Minimum participation: 100%Minimum buffer: 10%29% trigger rate Segment detailsMinimum trigger rate: 29%Minimum participation: 100%Minimum buffer: 10% | — | — | — |
Showing 48 of 152 indexed segments.
Menu combined from 2 published rate instances (76 + 76 segments). Published share classes: B Share · I Share; the source does not map each rate instance to a share class.
The prospectus publishes no separately stated strategy fee for these segments, so segment outcomes use 0% strategy-fee drag. Any advisory or optional-benefit fees are separate and can reduce account value. Structured Capital Strategies Income prospectus ↗
What one segment pays at an index outcome
Contract arithmetic on today’s published terms, net of the published strategy fee; not a forecast.
Downside-aware simulator
Test an index segment outcome
The segment can lose value. This educational one-segment scenario is not a carrier illustration.
Strategy fee 0%/yr applied.
Starting value
$100,000
Segment return
-15%
Ending value
$85,000
Outcomes are net of the published strategy fee. Point-to-point uses the stated buffer; Dual Direction credits a loss inside the buffer as a gain; Dual Trigger pays its flat rate when the index is at or above the negative buffer; Performance Trigger pays its flat rate when the index is at or above zero. The annual fee is compounded across the listed segment term.
What the carrier can change at renewal
Upside rates and downside-protection terms are declared for each segment. These are the contractual minimums published with the live rows.
Open “Segment details” in the matrix to see the contractual minimum attached to that exact row.
Getting money out
Series B withdrawal charge · full schedule
Series ADV: no withdrawal charge.
The live rate feed combines B Share and I Share rate instances but does not map each rate instance to a contract series. Do not treat the selected feed's non-client-applicable 0% placeholder as a product-wide absence of surrender charges. Structured Capital Strategies Income prospectus ↗
Analyst notes
Where it stands out
- Structured Capital Strategies Income is the income-oriented member of Equitable's registered index-linked contract family.
- Its current segment menu spans domestic and international equity indexes with capped point-to-point and performance-trigger choices.
- The current data publishes accelerated-income and level-income options, including their annual rider charge and income-base growth rules.
- The prospectus publishes two liquidity versions: Series B has a six-year withdrawal-charge schedule, while Series ADV has no withdrawal charge; systematic withdrawals are available.
What to confirm
- This contract can lose value. A buffer absorbs only the first stated part of an index loss; losses beyond the buffer remain with the contract holder.
- The current data publishes current-age payout terms and simple income-base roll-up rules, but its income engine is partial. Missing deferral-specific inputs are not inferred and no future income projection is calculated.
- The current product data names a Highest Anniversary Value Death Benefit. It is not presented here as return of premium, and it does not prevent segment losses during life.
- The contract is not published as available in Alaska, New York, Oregon, or Utah, and territory availability is not published for this version.
Expanded contract facts
Contract details beyond the headline rate
Key facts published in the versioned CANNEX contract ledger. Gaps are labeled, not guessed.
Source and vintage: normalized public product facts from CANNEX, observed Sep 18, 2026. Raw licensed XML and internal identifiers are not included. Terms can vary by state, premium, age, share class, and contract version; confirm the current carrier contract and illustration before purchase.
Prospectus and SEC filings
A RILA is a registered security. The prospectus governs interim value, performance lock, death benefit, and fees.
RegistrantEquitable Financial Life Insurance Company of America (RILA)
SEC CIK0002038891
File numbers333-282435
Open filings on EDGAR ↗RegistrantEquitable America Variable Account No. 70A
SEC CIK0001822818
File numbers333-265028 · 811-23609
Open filings on EDGAR ↗No verified carrier document link is published in the product feed. Rate-sheet supplements will appear only after their product and carrier match is verified.
State availability
47 published jurisdictions. Not available in Alaska, New York, Oregon, or Utah; availability in U.S. territories is not published for this contract version.