Fees and Expenses [Text Block]


FEES AND EXPENSES
Are there Charges or Adjusments for Early Withdrawals?				No. Once issued, a contract may not be surrendered and the premium payment cannot be withdrawn other than through annuity payments. The contract does not have a cash surrender value. For additional information about transaction charges see “Charges and expenses” in the Prospectus.
Are There Transaction Charges?				Yes. We will deduct $350 from your premium payment for administrative expenses and you may be charged premium taxes. For additional information about transaction charges see “Charges and expenses” in the Prospectus.


Are There Ongoing Fees and Expenses?	Yes. 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 investment options you choose. Please refer to your contract specifications page of your contract for information about the specific fees you will pay each year based on the options you have elected.
	Annual Fee	Minimum	Maximum
	Base Contract (1)	0.50%	1.55%
	Portfolio Company fees and expenses (2)	0.54%	1.08%
	(1) Expressed as a percentage 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, 2025 and could change from year to year. 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.


				Lowest Annual Cost $ 1,250		Highest Annual Cost $ 2,577
				Assumes: • Investment of $100,000 • 5% annual appreciation • Least expensive combination of contract and Portfolio fees and expenses		Assumes: • Investment of $100,000 • 5% annual appreciation • Most expensive combination of contract, and Portfolio fees and expenses
				For additional information about ongoing fees and expenses see “Fee table” in the Prospectus.

Charges for Early Withdrawals [Text Block]

No.

Once issued, a contract may not be surrendered and the premium payment cannot be withdrawn other than through annuity payments. The contract does not have a cash surrender value.

For additional information about transaction charges see “Charges and expenses” in the Prospectus.

Transaction Charges [Text Block]

Yes.

We will deduct $350 from your premium payment for administrative expenses and you may be charged premium taxes.

For additional information about transaction charges see “Charges and expenses” in the Prospectus.

Ongoing Fees and Expenses [Table Text Block]


Are There Ongoing Fees and Expenses?	Yes. 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 investment options you choose. Please refer to your contract specifications page of your contract for information about the specific fees you will pay each year based on the options you have elected.
	Annual Fee	Minimum	Maximum
	Base Contract (1)	0.50%	1.55%
	Portfolio Company fees and expenses (2)	0.54%	1.08%
	(1) Expressed as a percentage 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, 2025 and could change from year to year. 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.

Base Contract (of Average Annual Net Assets) (N-4) Minimum [Percent]

0.50%

^[1]

Base Contract (of Average Annual Net Assets) (N-4) Maximum [Percent]

1.55%

^[1]

Investment Options (of Average Annual Net Assets) Minimum [Percent]

0.54%

^[2]

Investment Options (of Average Annual Net Assets) Maximum [Percent]

1.08%

^[2]

Base Contract (N-4) Footnotes [Text Block]

Expressed as a percentage of daily net assets in the variable investment options.

Investment Options Footnotes [Text Block]

Expressed as an annual percentage of daily net assets in the Portfolio. This range is for the year ended December 31, 2025 and could change from year to year.

Lowest and Highest Annual Cost [Table Text Block]


				Lowest Annual Cost $ 1,250		Highest Annual Cost $ 2,577
				Assumes: • Investment of $100,000 • 5% annual appreciation • Least expensive combination of contract and Portfolio fees and expenses		Assumes: • Investment of $100,000 • 5% annual appreciation • Most expensive combination of contract, and Portfolio fees and expenses
				For additional information about ongoing fees and expenses see “Fee table” in the Prospectus.

Lowest Annual Cost [Dollars]

$ 1,250

Highest Annual Cost [Dollars]

$ 2,577

Risks [Table Text Block]

RISKS
Is There a Risk of Loss From Poor Performance?				Yes. The contract is subject to the risk of loss. You could lose some or all of your premium payment and income payments can decrease significantly depending on the investment options you choose. For additional information about the risk of loss see “Principal risks of investing in the contract” in the Prospectus.
Is this a Short-Term Investment?				No. The contract may be appropriate if you need income for a specific time period or for the life of an annuitant. The contract is not a short-term investment and is not appropriate for an investor who needs ready access to cash. As such, you should not use the contract as a short-term investment or savings vehicle. Once issued, your contract may not be surrendered and the premium payment cannot be withdrawn other than through annuity payments. For additional information about the investment profile of the contract see “Fee table” in the Prospectus.


RISKS
What are the Risks Associated with the 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 fixed-income annuity 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 “Fixed and Variable investment options” and “Portfolios of the Trust” in “Purchasing the contract” as well as, “Risks associated with the variable investment options” in “Principal Risks of investing in the contract” in the Prospectus. See also Appendix “Investment options available under the contract” in the Prospectus.
What are the Risks Related to the Insurance Company?				An investment in the contract is subject to the risks related to the Company. The Company is solely responsible to the contract owner for the obligations under the contract. The general obligations, or fixed-income annuity option 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 www.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.

Investment Restrictions [Text Block]

Yes.

We may, at any time, exercise our rights to limit or terminate your 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, removing or substituting the Portfolios, combining any two or more variable investment options and transferring the annuity units value from any variable investment option to another variable investment option. Transfers between the fixed income annuity option and variable income annuity option are not allowed. You cannot allocate 100% of your premium payment to the fixed income annuity option. Transfers among the investment options are only permitted once a year.

You cannot allocate 100% of your premium payment to the fixed income annuity option.

You cannot transfer funds between the fixed income annuity option and variable income annuity option.

If you elect a portion of your premium to go to the fixed income annuity option, you cannot change this election.

For more information, see “Selecting your annuity option” in the Prospectus.

For more information see “About the Separate Account” in “More information” in the Prospectus.

Tax Implications [Text Block]

You should consult with a tax professional to determine the tax implications of an investment in, and purchase 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). Each payment you receive is ordinary income for tax purposes, except where you have after-tax funds in your contract. If you have after-tax funds, a portion of each annuity payment that is attributed to such after-tax funds will be considered non-taxable.

For more information, see “Tax information” in the Prospectus.

Investment Professional Compensation [Text Block]

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 [Text Block]

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, as well as any fees or penalties to terminate your existing contract, that it is preferable to purchase the new contract rather than continue to own your existing contract.

Item 4. Fee Table [Line Items]

Item 4. Fee Table [Text Block]

Fee table

The following tables describe the fees and expenses that you will pay when buying and owning the contract. Please refer to your contract specifications page for information about the specific fees you will pay

each year

based on the options you have selected.

The first table describes fees and expenses that you will pay at the time that you buy the contract or if you make certain transfers. Charges designed to approximate certain taxes that may be imposed on us, such as premium taxes in your state, may also apply.


Transaction Expenses
Sales Load Imposed on Purchases (as a percentage of purchase payments)		None
Withdrawal Charge (as a percentage of contributions withdrawn)		None
Transfer Fee (1)		None
Administrative Expense Charge (2)		$ 350

(1)	You may transfer annuity units among the variable investment options once a year on the contract date anniversary. There is no charge for such transfers. Transfers are permitted monthly for contracts issued in New York.

(2)	We deduct this one-time charge for administrative expenses of the contract.

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).


Annual Contract Expenses
Base Contract Expenses (as a percentage of daily net assets in the variable investment options)		1.55%

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. Expenses shown may change over time and may be higher or lower in the future. A complete list of Portfolios available under the contract, including their annual expenses, may be found at the back of this document. See “Appendix: Investment options available under the contract.”


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) *	0.54 %	1.08 %
Annual Portfolio Expenses after Expense Limitation Arrangement (expenses that are deducted from Portfolio asset including management fees, 12b-1 fees, service fees, and other expenses) **	0.53 %	1.08 %

*	“Total Annual Portfolio Operating Expenses” may be based, in part, on estimated amounts of such expenses. The expenses listed are for the year ended December 31, 2025.

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, 2027 (“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, 2027. The Expense Limitation Arrangement does not apply to unaffiliated Portfolios.

Transaction Expenses [Table Text Block]


Transaction Expenses
Sales Load Imposed on Purchases (as a percentage of purchase payments)		None
Withdrawal Charge (as a percentage of contributions withdrawn)		None
Transfer Fee (1)		None
Administrative Expense Charge (2)		$ 350

(1)	You may transfer annuity units among the variable investment options once a year on the contract date anniversary. There is no charge for such transfers. Transfers are permitted monthly for contracts issued in New York.

(2)	We deduct this one-time charge for administrative expenses of the contract.

Sales Load (of Purchase Payments), Current [Percent]

0.00%

Deferred Sales Load (of Purchase Payments), Current [Percent]

0.00%

Other Transaction Fee, Current [Dollars]

$ 350

^[3]

Other Transaction Fee, Current [Percent]

0.00%

^[4]

Other Transaction Fee (of Other Amount), Footnotes [Text Block]

You may transfer annuity units among the variable investment options once a year on the contract date anniversary. There is no charge for such transfers. Transfers are permitted monthly for contracts issued in New York.

Annual Contract Expenses [Table Text Block]

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).


Annual Contract Expenses
Base Contract Expenses (as a percentage of daily net assets in the variable investment options)		1.55%

Administrative Expense, Footnotes [Text Block]

We deduct this one-time charge for administrative expenses of the contract.

Base Contract Expense (of Average Account Value), Current [Percent]

1.55%

Annual Portfolio Company Expenses [Table Text Block]


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) *	0.54 %	1.08 %
Annual Portfolio Expenses after Expense Limitation Arrangement (expenses that are deducted from Portfolio asset including management fees, 12b-1 fees, service fees, and other expenses) **	0.53 %	1.08 %

*	“Total Annual Portfolio Operating Expenses” may be based, in part, on estimated amounts of such expenses. The expenses listed are for the year ended December 31, 2025.

Item 5. Principal Risks [Table Text Block]

Principal risks of investing in the contract

The risks identified below are the principal risks of investing in the contract. The contract may be subject to additional risks other than those identified and described in this prospectus.

Risks Associated with Variable Investment Options

You take all the investment risk for amounts allocated to one or more of the investment options. If the variable investment option you select increase in value, then your annuity unit value goes up; if they decrease in value, your annuity unit value goes down. How much your annuity unit value goes up or down depends on the performance of the variable investment options in which you invest. We do not guarantee the investment results of any variable investment option. An investment in the contract is subject to the risk of poor investment performance, and the value of your investment can vary depending on the performance of the selected variable investment option(s), each of which has its own unique risks. You should review the variable investment options before making an investment decision.

Insurance Company Risk.

No company other than us has any legal responsibility to pay amounts that we owe under the contract. The general obligations and the fixed income annuity option under the contract are supported by our general account and are subject to our claims paying ability. You should look solely to our financial strength for our claims-paying ability.

Choice of Annuity Option.

If you choose a life annuity without a period certain, payments are only guaranteed during the lifetime of the annuitant(s). If death occurs before the due date of the second (third, fourth, etc.) annuity payment, then you will only receive one (two, three, etc.) annuity payment. If death occurs soon after contract issue, you could lose all of your premium payment (minus the first annuity payment, which we guarantee).

Allocation Restrictions.

You must allocate some or all of your premium to the variable investment options. The performance of the variable investment options in which you are invested could decrease significantly, but you are not permitted to transfer out of those options except on a contract anniversary. If you allocate a portion of your premium payment to the fixed income annuity option, you cannot later change this allocation or transfer fixed amounts to the variable investment options.

No Surrender or Withdrawals.

Once issued, a contract may not be surrendered. The contract does not have a cash surrender value and the premium cannot be withdrawn.

We may also apply fees if you access your annuity payments during the annuity payout period. For example, in addition to possible tax consequences you may incur fees for accessing your annuity payments such as the surrender of the contract, annual administrative expenses, and/or annual contract charges.

Possible Adverse Tax Consequences

The tax considerations associated with the contract vary and can be complicated. The applicable tax rules can differ, depending on the type of contract. We cannot provide detailed information on all tax aspects of the contract. Moreover, the tax aspects that apply to a particular person’s contract may vary depending on the facts applicable to that person. Tax rules may change without notice. We cannot predict whether, when, or how these rules could change. Any change could affect contracts purchased before the change. Congress may also consider further proposals to comprehensively reform or overhaul the United States tax and retirement systems, which if enacted, could affect the tax benefits of a contract. We cannot predict what, if any, legislation will actually be proposed or enacted. Before making contributions to your contract or taking other action related to your contract, you should consult with a tax professional to determine the tax implications of an investment in, and payments received under, the contract.

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. As such, you should not use the contract as a short-term investment or savings vehicle and you should consider whether investing in the contract is consistent with the purpose for which the investment is being considered.

Risk of Loss.

All investments have risks to some degree and it is possible that you could lose money by investing in the contract. An investment in the contract is not a deposit with a bank and is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency.

Contract Changes Risk

We may, at any time, exercise our rights to limit or terminate your contributions, allocations and transfers to any of the variable investment options. We reserve the right, subject to compliance with laws that apply, to remove variable investment options from the Separate Account, to combine any two or more variable investment options, to restrict or eliminate any voting rights as to the Separate Account, to limit or terminate contributions or transfers into any of the variable investment options, and to limit the number of variable investment options you may select.

You should evaluate whether our ability to make the changes described above, and your ability to react to such changes, are appropriate based on your investment goals. When such changes occur, you should also evaluate whether those changes are appropriate based on your investment goals and, if not, you should evaluate your options under the Contract, which may be limited and may have negative

consequences

associated with them, as described in this section.

Availability by Financial Intermediary

Some financial intermediaries (e.g., selling broker-dealer firms) may not offer and/or may limit the offering of certain investment options, contract benefits, and other contract features based on issue age or other criteria established by the selling broker-dealer. For example, your financial professional may not recommend a particular investment option or contract benefit to you that is described in this Prospectus. Before you purchase the contract, you should discuss with your financial professional any limitations, restrictions, or other variations related to the investment options, contract benefits or other contract features available to you through your financial professional. If a particular feature that interests you is not recommended through your brokerdealer, you may want to contact us to explore its availability.

Business disruption, cybersecurity, and artificial intelligence (“AI”) technologies risks

We rely heavily on technology, including interconnected computer systems and data storage networks and digital communications, to conduct our business. Because our business is highly dependent upon the effective operation of our computer systems and those of our service providers and other business partners, our business is vulnerable to disruptions from utility outages, and susceptible to operational and information security risks resulting from information systems failure (e.g., hardware and software malfunctions), and cyberattacks. Cyberattacks may be systemic (e.g., affecting the internet, cloud services, or other infrastructure) or targeted (e.g., failures in or breach of our systems or those of third parties on whom we rely, including ransomware and malware attacks). Cybersecurity risks include, among other things, the loss, theft, misuse, corruption and destruction of data maintained online or digitally, interference with or denial of service, attacks on our websites (or the websites of third parties on whom we rely), other operational disruption and unauthorized release, use or abuse of confidential customer information. The risk of cyberattacks may be higher during periods of geopolitical turmoil. Due to the increasing sophistication of cyberattacks, a cybersecurity breach could occur and persist for an extended period of time without detection. Systems failures and cyberattacks, as well as, any other catastrophic event, including natural and manmade disasters, public health emergencies, pandemic diseases, terrorist attacks, floods or severe storms affecting us, any third-party administrator, the underlying funds, intermediaries and other affiliated or third-party service providers may adversely affect us, our business operations and your account value and interfere with our ability to process contract transactions and calculate account values. Systems failures and cyberattacks may also interfere with our processing of contract transactions, including the processing of orders from our website or with the underlying funds, impact our ability to calculate account values and unit values and/or the underlying funds to be unable to calculate share values, cause the release or possible destruction of confidential customer and/or business information, impede order processing or cause other operational issues, subject us and/or our service providers and intermediaries to regulatory fines,

litigation and financial losses and/or cause reputational damage. Cybersecurity risks may also impact the issuers of securities in which the underlying funds invest, which may cause the underlying funds to lose value. The preventative actions we take to reduce the frequency and severity of cybersecurity incidents and protect our computer systems may be insufficient to prevent a cybersecurity breach from impacting our operations or your contract value. There can be no assurance that we or the underlying funds or our service providers and intermediaries will be able to avoid cybersecurity breaches affecting your contract.

The development and deployment of AI tools and technologies, including generative AI, and its use and anticipated use by us or by third parties on whom we rely, may increase our existing operational risks or create new operational risks that we are not currently anticipating. AI and generative AI may be misused by us or by third parties upon which we rely, and that risk is increased by the relative newness of the technology, the speed at which it is being adopted, and the uncertain and evolving policy and regulatory landscape governing its use. Such misuse could expose us to legal or regulatory risk. Because the generative AI technology is so new, many of the potential risks of generative AI are currently unknowable. The development and deployment of AI tools and technologies, including generative AI, and its use and anticipated use by us or by third parties on whom we rely, may increase our existing operational risks or create new operational risks that we are not currently anticipating. AI and generative AI may be misused by us or by third parties upon which we rely, and that risk is increased by the relative newness of the technology, the speed at which it is being adopted, and the uncertain and evolving policy and regulatory landscape governing its use. Such misuse could expose us to legal or regulatory risk. Because the generative AI technology is so new, many of the potential risks of generative AI are currently unknowable.

In addition, we are also exposed to risks related to natural and man-made disasters, including, but not limited to, the occurrence of any storms, fires, floods, earthquakes, public health crises, malicious acts, and terrorist acts or any other event, which could adversely affect our ability to conduct business. A natural or man-made disaster, including a pandemic such as COVID-19, could result in our workforce, and/or employees of service providers and/or third-party administrators, being compromised and unable or unwilling to fully perform their responsibilities, which could likewise result in interruptions in our service. This could interfere with our processing of contract transactions, including processing orders from owners and orders with the underlying funds, impact our ability to calculate contract value, or have other adverse impacts on our operations. These events may also negatively affect the our service providers and intermediaries, the underlying funds and issuers of securities in which the underlying funds invest, which may cause the funds underlying your contract to lose value. There can be no assurance that we or the underlying funds or our service providers and intermediaries will be able to avoid negative impacts associated with natural and man-made disasters.

Item 17. Investment Options [Line Items]

Investment Options (N-4) [Text Block]

Appendix: Investment options available under the contract

(a) Variable investment options

The following is a list of Portfolio Companies available under the contract. More information about the Portfolio Companies is available in the prospectuses for the Portfolio Companies, which may be amended from time to time and can be found online at www.equitable.com/ICSR#EQH142502. You can request this information at no cost by calling 1-877-522-5035 or by sending an email request to EquitableFunds@dfinsolutions.com.

The current expenses and performance information below reflects fee and expenses of the Portfolios, but do not reflect the other fees and expenses that your contract may charge. Expenses would be higher and performance would be lower if these other charges were included. Each Portfolio’s past performance is not necessarily an indication of future performance.

Affiliated Portfolio Companies:


TYPE	Portfolio Company — Investment Adviser; Sub-Adviser(s), as applicable	Current Expenses			Average Annual Total Returns (as of 12/31/2025)
TYPE		Current Expenses			1 year		5 year		10 year
Equity	EQ/AB Small Cap Growth — Equitable Investment Management Group, LLC (“EIMG”); AllianceBernstein L.P.		0.92%			9.21%		3.43%		10.10%
Equity	EQ/Common Stock Index — EIMG ; AllianceBernstein L.P.		0.67%	^		16.30%		12.50%		13.54%
Fixed Income	EQ/Core Plus Bond — EIMG ; Brandywine Global Investment Management, LLC, Loomis, Sayles & Company, L.P.		0.93%	^		8.53%		-0.74%		2.16%
Equity	EQ/Equity 500 Index — EIMG ; AllianceBernstein L.P.		0.53%	^		17.24%		13.79%		14.16%
Fixed Income	EQ/Intermediate Government Bond (1) — EIMG ; SSGA Funds Management, Inc.		0.62%	^		5.51%		0.30%		1.14%
Equity	EQ/International Equity Index — EIMG ; AllianceBernstein L.P.		0.72%	^		31.53%		9.91%		8.07%
Equity	EQ/Large Cap Value Managed Volatility† — EIMG ; AllianceBernstein L.P.		0.86%			10.62%		9.69%		9.56%
Asset Allocation	EQ/Moderate Allocation† — EIMG		1.08%			10.20%		4.12%		5.77%
Cash/Cash Equivalent	EQ/Money Market* — EIMG ; Dreyfus, a division of Mellon Investments Corporation		0.67%			3.66%		2.79%		1.73%
Fixed Income	EQ/Quality Bond PLUS — EIMG ; AllianceBernstein L.P., Pacific Investment Management Company LLC		0.83%			6.29%		-0.17%		1.31%
Equity	Multimanager Aggressive Equity — EIMG ; AllianceBernstein L.P.		0.99%			16.32%		11.47%		15.67%

^	This Portfolio’s annual expenses reflect temporary fee reductions.

†

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 Trusts” for more information regarding volatility management.

*	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.

(1)	Effective on or about June 29, 2026, and subject to shareholder approval, SSGA Funds Management, Inc. will be replaced as a sub-adviser to the Portfolio (or an allocated portion thereof) with AllianceBernstein L.P.

Prospectuses Available [Text Block]

Portfolio Companies [Table Text Block]

Affiliated Portfolio Companies:


TYPE	Portfolio Company — Investment Adviser; Sub-Adviser(s), as applicable	Current Expenses			Average Annual Total Returns (as of 12/31/2025)
TYPE		Current Expenses			1 year		5 year		10 year
Equity	EQ/AB Small Cap Growth — Equitable Investment Management Group, LLC (“EIMG”); AllianceBernstein L.P.		0.92%			9.21%		3.43%		10.10%
Equity	EQ/Common Stock Index — EIMG ; AllianceBernstein L.P.		0.67%	^		16.30%		12.50%		13.54%
Fixed Income	EQ/Core Plus Bond — EIMG ; Brandywine Global Investment Management, LLC, Loomis, Sayles & Company, L.P.		0.93%	^		8.53%		-0.74%		2.16%
Equity	EQ/Equity 500 Index — EIMG ; AllianceBernstein L.P.		0.53%	^		17.24%		13.79%		14.16%
Fixed Income	EQ/Intermediate Government Bond (1) — EIMG ; SSGA Funds Management, Inc.		0.62%	^		5.51%		0.30%		1.14%
Equity	EQ/International Equity Index — EIMG ; AllianceBernstein L.P.		0.72%	^		31.53%		9.91%		8.07%
Equity	EQ/Large Cap Value Managed Volatility† — EIMG ; AllianceBernstein L.P.		0.86%			10.62%		9.69%		9.56%
Asset Allocation	EQ/Moderate Allocation† — EIMG		1.08%			10.20%		4.12%		5.77%
Cash/Cash Equivalent	EQ/Money Market* — EIMG ; Dreyfus, a division of Mellon Investments Corporation		0.67%			3.66%		2.79%		1.73%
Fixed Income	EQ/Quality Bond PLUS — EIMG ; AllianceBernstein L.P., Pacific Investment Management Company LLC		0.83%			6.29%		-0.17%		1.31%
Equity	Multimanager Aggressive Equity — EIMG ; AllianceBernstein L.P.		0.99%			16.32%		11.47%		15.67%

^	This Portfolio’s annual expenses reflect temporary fee reductions.

†

*	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.

(1)	Effective on or about June 29, 2026, and subject to shareholder approval, SSGA Funds Management, Inc. will be replaced as a sub-adviser to the Portfolio (or an allocated portion thereof) with AllianceBernstein L.P.

EQ AB Small Cap Growth [Member]

Equity

EQ/AB Small Cap Growth

Equitable Investment Management Group, LLC (“EIMG”)

AllianceBernstein L.P.

0.92%

9.21%

3.43%

EQ Common Stock Index [Member]

10.10%

Equity

EQ/Common Stock Index

EIMG

AllianceBernstein L.P.

0.67%

^[5]

16.30%

12.50%

EQ Core Plus Bond [Member]

13.54%

Fixed Income

EQ/Core Plus Bond

EIMG

Brandywine Global Investment Management, LLC, Loomis, Sayles

& Company, L.P.

0.93%

^[5]

8.53%

(0.74%)

EQ Equity 500 Index [Member]

2.16%

Equity

EQ/Equity 500 Index

EIMG

AllianceBernstein L.P.

0.53%

^[5]

17.24%

13.79%

EQ Intermediate Government Bond [Member]

14.16%

Fixed Income

EQ/Intermediate Government Bond

EIMG

SSGA Funds Management, Inc.

0.62%

^[5]

5.51%

0.30%

EQ International Equity Index [Member]

1.14%

Equity

EQ/International Equity Index

EIMG

AllianceBernstein L.P.

0.72%

^[5]

31.53%

9.91%

EQ Large Cap Value Managed Volatility [Member]

8.07%

Equity

EQ/Large Cap Value Managed Volatility

^[6]

EIMG

AllianceBernstein L.P.

0.86%

10.62%

9.69%

EQ Moderate Allocation [Member]

9.56%

Asset Allocation

EQ/Moderate Allocation

^[6]

EIMG

1.08%

10.20%

4.12%

5.77%

EQ Money Market [Member]

Cash/Cash Equivalent

EQ/Money Market

^[7]

EIMG

Dreyfus, a division of Mellon Investments Corporation

0.67%

3.66%

2.79%

EQ Quality Bond PLUS [Member]

1.73%

Fixed Income

EQ/Quality Bond PLUS

EIMG

AllianceBernstein L.P., Pacific Investment Management Company LLC

0.83%

6.29%

(0.17%)

Multimanager Aggressive Equity [Member]

1.31%

Equity

Multimanager Aggressive Equity

EIMG

AllianceBernstein L.P.

0.99%

16.32%

11.47%

15.67%

Risk of Loss [Member]

Yes.

The contract is subject to the risk of loss. You could lose some or all of your premium payment and income payments can decrease significantly depending on the investment options you choose.

For additional information about the risk of loss see “Principal risks of investing in the contract” in the Prospectus.

Not Short Term Investment Risk [Member]

Risk of Loss.

No.

The contract may be appropriate if you need income for a specific time period or for the life of an annuitant. The contract is not a short-term investment and is not appropriate for an investor who needs ready access to cash. As such, you should not use the contract as a short-term investment or savings vehicle. Once issued, your contract may not be surrendered and the premium payment cannot be withdrawn other than through annuity payments.

For additional information about the investment profile of the contract see “Fee table” in the Prospectus.

Investment Options Risk [Member]

Not a Short-Term Investment

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 fixed-income annuity 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 “Fixed and Variable investment options” and “Portfolios of the Trust” in “Purchasing the contract” as well as, “Risks associated with the variable investment options” in “Principal Risks of investing in the contract” in the Prospectus. See also Appendix “Investment options available under the contract” in the Prospectus.

Insurance Company Risk [Member]

Risks Associated with Variable Investment Options

An investment in the contract is subject to the risks related to the Company. The Company is solely responsible to the contract owner for the obligations under the contract. The general obligations, or fixed-income annuity option 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 www.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.

Contract Changes Risk [Member]

Insurance Company Risk.

Choice of Annuity Option [Member]

Contract Changes Risk

consequences

associated with them, as described in this section.

Allocation Restrictions [Member]

Choice of Annuity Option.

No Surrender or Withdrawals [Member]

Allocation Restrictions.

Possible Adverse Tax Consequences [Member]

No Surrender or Withdrawals.

Once issued, a contract may not be surrendered. The contract does not have a cash surrender value and the premium cannot be withdrawn.

Availability by Financial Intermediary [Member]

Possible Adverse Tax Consequences

Business disruption cybersecurity and artificial intelligence AI technologies risks [Member]

Availability by Financial Intermediary