Registered index-linked annuity · SEC-registered · defined downside design
Structured Capital Strategies PLUS 21 NY
Issued by Equitable Financial Life Insurance Company
AM Best ACan lose value
Segment terms1-year · 6-year
Downside choices10% buffer · 15% buffer · 20% buffer · 30% buffer
FeeNot published
Surrender periodNone
Free withdrawal10%per year
Issue ages0–85 (annuitant and owner) · age limits based on the older person
Available jurisdictions1published in the feed
Market value adj.None
Headline segment · S&P 500 Index · 1-year · 10% buffer17% cap · 10% buffer
The upside term is shown with its index, term, downside rule, and fee status. This indexed segment can lose value.
The buffer absorbs the first 10% of segment loss; losses beyond it can still apply. This is not an FIA.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.
Strategy fee is not published; outcome figures are suppressed unless another published fee applies.
Swipe horizontally to compare every protection level.
| Index · term | 10% buffer | 15% buffer | 20% buffer | 30% buffer |
|---|---|---|---|---|
| S&P 500 | ||||
| 1-yearPoint-to-point | 14% cap Segment detailsMinimum cap: 5%Minimum participation: 100%Minimum buffer: 10%11.5% capPublished rate instance 1 Segment detailsMinimum cap: 5%Minimum participation: 100%Minimum buffer: 10%12.5% cap Segment detailsMinimum cap: 5%Minimum participation: 125%Minimum buffer: 10%13.9% cap Segment detailsMinimum cap: 5%Minimum participation: 100%Minimum buffer: 10%11% cap Segment detailsMinimum cap: 5%Minimum participation: 100%Minimum buffer: 10%11.5% capPublished rate instance 2 Segment detailsMinimum cap: 5%Minimum participation: 125%Minimum buffer: 10%17% cap Segment detailsMinimum cap: 5%Minimum participation: 100%Minimum buffer: 10%13% cap Segment detailsMinimum cap: 5%Minimum participation: 100%Minimum buffer: 10%13% cap Segment detailsMinimum cap: 5%Minimum participation: 125%Minimum buffer: 10% | 11.5% cap Segment detailsMinimum cap: 4%Minimum participation: 100%Minimum buffer: 15%8% cap Segment detailsMinimum cap: 4%Minimum participation: 100%Minimum buffer: 15%11% cap Segment detailsMinimum cap: 4%Minimum participation: 100%Minimum buffer: 15%7.5% cap Segment detailsMinimum cap: 4%Minimum participation: 100%Minimum buffer: 15%13% cap Segment detailsMinimum cap: 4%Minimum participation: 100%Minimum buffer: 15%9% cap Segment detailsMinimum cap: 4%Minimum participation: 100%Minimum buffer: 15% | 10% cap Segment detailsMinimum cap: 4%Minimum participation: 100%Minimum buffer: 20%6% cap Segment detailsMinimum cap: 4%Minimum participation: 100%Minimum buffer: 20%9.5% cap Segment detailsMinimum cap: 4%Minimum participation: 100%Minimum buffer: 20%5.5% cap Segment detailsMinimum cap: 4%Minimum participation: 100%Minimum buffer: 20%11.5% cap Segment detailsMinimum cap: 4%Minimum participation: 100%Minimum buffer: 20%6.5% cap Segment detailsMinimum cap: 4%Minimum participation: 100%Minimum buffer: 20% | 8.5% cap Segment detailsMinimum cap: 3%Minimum participation: 100%Minimum buffer: 30%8% cap Segment detailsMinimum cap: 3%Minimum participation: 100%Minimum buffer: 30%9% cap Segment detailsMinimum cap: 3%Minimum participation: 100%Minimum buffer: 30% |
| 1-yearPerformance trigger | 10% trigger rate Segment detailsMinimum trigger rate: 10%Minimum participation: 100%Minimum buffer: 10%9.5% trigger rate Segment detailsMinimum trigger rate: 9.5%Minimum participation: 100%Minimum buffer: 10%11.5% trigger rate Segment detailsMinimum trigger rate: 11.5%Minimum participation: 100%Minimum buffer: 10% | 9% trigger rate Segment detailsMinimum trigger rate: 9%Minimum participation: 100%Minimum buffer: 15%8.5% trigger rate Segment detailsMinimum trigger rate: 8.5%Minimum participation: 100%Minimum buffer: 15%10% trigger rate Segment detailsMinimum trigger rate: 10%Minimum participation: 100%Minimum buffer: 15% | — | — |
| 6-yearPoint-to-point | 300% cap Segment detailsMinimum cap: 30%Minimum participation: 100%Minimum buffer: 10%13.5% cap Segment detailsMinimum cap: 5%Minimum participation: 100%Minimum buffer: 10%110% cap Segment detailsMinimum cap: 30%Minimum participation: 100%Minimum buffer: 10%80% capPublished rate instance 1 Segment detailsMinimum cap: 30%Minimum participation: 110%Minimum buffer: 10%70% cap Segment detailsMinimum cap: 30%Minimum participation: 125%Minimum buffer: 10%125% cap Segment detailsMinimum cap: 30%Minimum participation: 100%Minimum buffer: 10%80% capPublished rate instance 2 Segment detailsMinimum cap: 30%Minimum participation: 100%Minimum buffer: 10%12.5% cap Segment detailsMinimum cap: 5%Minimum participation: 100%Minimum buffer: 10%75% cap Segment detailsMinimum cap: 30%Minimum participation: 110%Minimum buffer: 10%65% cap Segment detailsMinimum cap: 30%Minimum participation: 125%Minimum buffer: 10%Not published Segment detailsMinimum cap: 30%Minimum participation: 100%Minimum buffer: 10%800% cap Segment detailsMinimum cap: 30%Minimum participation: 100%Minimum buffer: 10%16% cap Segment detailsMinimum cap: 5%Minimum participation: 100%Minimum buffer: 10%250% cap Segment detailsMinimum cap: 30%Minimum participation: 110%Minimum buffer: 10%80% capSelected contract rate instance Segment detailsMinimum cap: 30%Minimum participation: 125%Minimum buffer: 10% | 100% cap Segment detailsMinimum cap: 27%Minimum participation: 100%Minimum buffer: 15%80% capPublished rate instance 1 Segment detailsMinimum cap: 27%Minimum participation: 100%Minimum buffer: 15%65% cap Segment detailsMinimum cap: 27%Minimum participation: 125%Minimum buffer: 15%75% cap Segment detailsMinimum cap: 27%Minimum participation: 110%Minimum buffer: 15%80% capPublished rate instance 2 Segment detailsMinimum cap: 27%Minimum participation: 100%Minimum buffer: 15%70% capPublished rate instance 2 · entry 1 Segment detailsMinimum cap: 27%Minimum participation: 100%Minimum buffer: 15%70% capPublished rate instance 2 · entry 2 Segment detailsMinimum cap: 27%Minimum participation: 110%Minimum buffer: 15%55% cap Segment detailsMinimum cap: 27%Minimum participation: 125%Minimum buffer: 15%800% cap Segment detailsMinimum cap: 27%Minimum participation: 100%Minimum buffer: 15%560% cap Segment detailsMinimum cap: 27%Minimum participation: 100%Minimum buffer: 15%125% cap Segment detailsMinimum cap: 27%Minimum participation: 110%Minimum buffer: 15%70% capSelected contract rate instance Segment detailsMinimum cap: 27%Minimum participation: 125%Minimum buffer: 15% | 90% cap Segment detailsMinimum cap: 24%Minimum participation: 100%Minimum buffer: 20%70% capPublished rate instance 1 Segment detailsMinimum cap: 24%Minimum participation: 100%Minimum buffer: 20%70% capPublished rate instance 2 Segment detailsMinimum cap: 24%Minimum participation: 100%Minimum buffer: 20%60% cap Segment detailsMinimum cap: 24%Minimum participation: 100%Minimum buffer: 20%610% cap Segment detailsMinimum cap: 24%Minimum participation: 100%Minimum buffer: 20%160% cap Segment detailsMinimum cap: 24%Minimum participation: 100%Minimum buffer: 20% | 65% cap Segment detailsMinimum cap: 18%Minimum participation: 100%Minimum buffer: 30%60% cap Segment detailsMinimum cap: 18%Minimum participation: 100%Minimum buffer: 30%150% cap Segment detailsMinimum cap: 18%Minimum participation: 100%Minimum buffer: 30% |
| 6-yearPerformance trigger | 55% trigger rate Segment detailsMinimum trigger rate: 55%Minimum participation: 100%Minimum buffer: 10%50% trigger rate Segment detailsMinimum trigger rate: 50%Minimum participation: 100%Minimum buffer: 10%60% trigger rate Segment detailsMinimum trigger rate: 60%Minimum participation: 100%Minimum buffer: 10% | — | — | — |
Showing 69 of 243 indexed segments.
Menu combined from 3 published rate instances (81 + 81 + 81 segments). Published share classes: B Share · C Share · I Share; the source does not map each rate instance to a share class.
Outcome simulator unavailable
The current feed does not publish a strategy fee for every eligible segment. No zero fee is assumed, so outcome figures are suppressed.
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.
Performance trigger · 1-year100%Minimum participation rate
Performance trigger · 1-year8.5%Minimum trigger rate
Performance trigger · 6-year100%Minimum participation rate
Performance trigger · 6-year45%Minimum trigger rate
Point-to-point · 1-year3%Minimum cap
Point-to-point · 1-year100%Minimum participation rate
Point-to-point · 6-year5%Minimum cap
Point-to-point · 6-year100%Minimum participation rate
Minimum published buffer10%Lowest value across the published segment limits
Open “Segment details” in the matrix to see the contractual minimum attached to that exact row.
Getting money out
No surrender charge
Annual free withdrawal10%
Systematic withdrawalsAvailable
Nursing-home / terminal-illness waiverNursing home · Terminal illness
BailoutNot available
Return of premiumNot available
Death benefitAccount Value Death Benefit
Analyst notes
Where it stands out
- Structured Capital Strategies PLUS 21 NY is the New York-only contract version and is issued by Equitable Financial Life Insurance Company.
- Its current menu includes annual and multi-year buffered segments across domestic and international equity exposures.
- The matrix keeps point-to-point caps and performance-trigger terms distinct and shows every current New York row.
- The contract ledger publishes joint annuitization choices, systematic withdrawals, and no surrender charge for the selected version.
What to confirm
- This registered index-linked annuity can lose value. The buffer absorbs only the first stated portion of a loss and does not guarantee principal.
- This is a New York-only contract; do not use the national PLUS 21 rates, issuer, or SEC registration as substitutes.
- Current product data does not publish a strategy fee for every eligible segment, so outcome figures are suppressed rather than assuming no fee.
- Caps, triggers, buffers, and renewal minimums can change for a new segment and should be confirmed in the current prospectus.
Best fitNew York buyers who understand prospectus-governed market risk and want to compare several buffered index and term choices.
Not ideal forBuyers outside New York or anyone who requires principal protection, a bank-deposit guarantee, or a simple fixed return.
Expanded contract facts
Contract details beyond the headline rate
Key facts published in the versioned CANNEX contract ledger. Gaps are labeled, not guessed.
Contract ledger statusAvailable · version 2.0
Product familyRILA
Share classesB Share · C Share · I Shareapplicable_rule · product_profile
PremiumNot published in feed
Issue ages0–85 (annuitant and owner) · age limits based on the older person
Joint age rulesannuitant: minimum age uses the older person, maximum age uses the older person, maximum age difference not published · owner: minimum age uses the older person, maximum age uses the older person, maximum age difference not published
Funding typesNon-qualified · Qualified
Annuitant typesJoint · Single
OwnershipCorporation · Joint · Single · Trust
Joint contractAvailable
Free-look periodAvailable
Annuitization maximum age98 years
Annuitization optionsJoint life · Single life
Profile feesNot published
Premium bonusNot published
Systematic withdrawalsYes
Minimum-withdrawals rule appliesNo
BailoutNo
Market value adjustmentNone
Return of premiumNot available
Free-withdrawal tiersTier 1: 10% · Available
CDSC schedule0 years · applies to the selected contract
Surrender ledger statusAvailable
Contract sourceCANNEXNormalized public contract facts; source XML and internal identifiers are not displayed.
Source vintagefreshObserved Sep 18, 2026 · generated Sep 20, 2026
Income rider optionsNone published — accumulation only
Death benefitAccount Value Death Benefit
Contract open dateNot published in feed
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 (RILA)
SEC CIK0002039145
File numbers333-283589
Open filings on EDGAR ↗RegistrantSeparate Account No. 49
SEC CIK0001015570
File numbers333-254385 · 811-07659
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
1 published jurisdiction. This contract version is available only in New York.
NY
Rates are sourced from CANNEX via AdvisorWorld and updated daily. Rates vary by state, premium band, and issue age. A registered index-linked annuity can lose value; a buffer, floor, or downside-participation rule limits specified losses but does not guarantee principal or surrender value. Upside rates and downside-protection terms can change on new segments. Educational only — not advice, a quote, or a carrier-approved illustration. Guarantees are backed by the issuing carrier’s claims-paying ability and are not FDIC-insured.