We calculate the Segment Return Amount on the Segment Maturity Date based on the change in index performance from the Segment Start Date to the Segment Maturity Date

Index-Linked Option Overview, Investor Could Lose Money if Index Declines [Text Block]

You could experience a significant loss of principal and previously credited interest if the index declines in value.

Index-Linked Option Overview, Limits the Negative Return [Text Block]

The SIO provides some protection against negative returns on the Segment Maturity Date through the use of a Segment Buffer. The extent of the downside protection provided by the Segment Buffer varies by Segment, ranging from the first 10% to 30% of loss. The Segment Buffer is the maximum amount of negative interest we will assume. We will credit any additional negative interest in excess of the Segment Buffer.

Index-Linked Option Overview, Manner of Limiting the Negative Return [Text Block]

You could lose as much as 70% (for Segments with a -30% Segment Buffer) to 90% (for Segments with a -10% Segment Buffer) of your principal and previously credited interest due to negative

index performance at Segment maturity, depending on the Segment Buffer applicable to the Segment in which you invest. The cumulative loss over the life of the contract could be much greater. There is a risk of a substantial loss of your principal and previously credited interest if the index declines because you agree to

absorb all losses to the extent they exceed the applicable Segment Buffer.

Index-Linked Option Overview, Example of Limiting the Negative Return [Text Block]

For example, if the Index return is

-25%

and the Segment Buffer is -10%, we will credit -15% (the amount that exceeds the Segment Buffer) on the Segment Maturity Date assuming there are no fees or charges assessed, meaning your Segment Investment will decrease by 15%.

Index-Linked Option Overview, Limits Positive Return [Text Block]

The SIO may limit your participation in positive returns on the Segment Maturity Date through the use of Performance Cap Rates.

Index-Linked Option Overview, Manner of Limiting the Positive Return [Text Block]

The Performance Cap Rate is the highest return that you could be credited for positive index performance.

Index-Linked Option Overview, Example of Limiting the Positive Return [Text Block]

For example, if the Index return is 12% and the Performance Cap Rate is 4%, we will credit 4% in interest on the Segment Maturity Date assuming there are no fees or charges assessed, meaning your Segment Investment will increase by 4%.

Overview, Investor Could Lose Money Due to Contract Adjustments if Amounts are Removed [Text Block]

This means you participate to a lesser extent in upside performance the earlier you take a withdrawal.

Overview, Transactions Subject to Contract Adjustments [Text Block]

Contract Adjustments

We use the Segment Interim Values for your Segments of the SIO if you remove any amount from a Segment on any date prior to the Segment Maturity Date. This amount may be less than the amount invested and may be less than the amount you would receive had you held the investment until maturity. You could lose a significant amount of money due to the use of the Segment Interim Values.

Prior to the Segment Maturity Date, the following transactions trigger the use of Segment Interim Values: (1) the receipt of an in good order death claim by your beneficiary; (2) a withdrawal (including an automatic or systematic withdrawal, a required minimum distribution, a withdrawal to pay advisory fees under a Series ADV contract and a free withdrawal under a Series B contract); (3) if you surrender or annuitize your contract; or (4) if you cancel your contract and return it to us for a refund within your state’s “free look” period. These withdrawals may also be subject to withdrawal charges, taxes, and possible tax penalties.

The Segment Interim Value will generally be negatively affected by increases in the expected volatility of index prices, interest rate increases, and by poor market performance. All other factors being equal, the Segment Interim Value would be lower the earlier a withdrawal or surrender is made during a Segment. Also, participation in upside performance for early withdrawals is pro-rated based on the period those amounts were invested in a Segment. This means you participate to a lesser extent in upside performance the earlier you take a withdrawal.

Item 3. Key Information [Line Items]

Fees and Expenses [Text Block]


FEES, EXPENSES, AND ADJUSTMENTS
Are There Charges or Adjustments for Early Withdrawals?		Yes. Withdrawal Charges Each series of the contract provides for different withdrawal charge periods and percentages. Series B — If you surrender your contract, apply your cash value to a non-life contingent annuity payment option, or withdraw money from Series B of the contract within 5 years following your last contribution, you will be assessed a withdrawal charge of up to 5% of contributions withdrawn. For example, if you make a withdrawal in the first year, you could pay a withdrawal charge of up to $5,000 on a $100,000 investment. This loss will be greater if there is a negative Segment Interim Value adjustment for amounts withdrawn from the Segments of the SIO, and/or if you have to pay taxes or tax penalties. Series C — No withdrawal charge. Series ADV — No withdrawal charge. Segment Interim Value There is a Segment Interim Value adjustment for amounts removed from a Segment of the SIO before Segment maturity and because the end-of-term downside protection provided by a Segment Buffer does not apply to the Segment Interim Value, it is theoretically possible that you could lose up to 100% of your investment and previously credited interest in certain extreme scenarios. For example, if you allocate $100,000 to a 3-year Segment and later withdraw the entire amount before the 3 years have ended, you could lose up to $100,000 of your investment. This loss may be greater if you also have to pay a withdrawal charge under a Series B contract, and/or if you have to pay taxes or tax penalties. Prior to the Segment Maturity Date, the following transactions trigger the Segment Interim Value: (1) the receipt of an in good order death claim by your beneficiary; (2) a withdrawal (including an automatic or systematic withdrawal, a required minimum distribution, a withdrawal to pay advisory fees under a Series ADV contract and a free withdrawal under a Series B contract); (3) if you surrender or annuitize your contract; or (4) if you cancel your contract and return it to us for a refund within your state’s “free look” period. For additional information about charges and adjustments for surrenders and early withdrawals see “Withdrawal charge” in and “Adjustments with respect to early distributions from Segments” “Charges, Expenses, and Adjustments” in the Prospectus.
Are There Transaction Charges?		Yes. In addition to withdrawal charges and the Segment Interim Value, you may also be charged for other transactions, including special requests such as wire transfers, express mail, duplicate contracts, preparing checks, third-party transfers or exchanges; or when you transfer between investment options in excess of a certain number. For additional information about transaction charges see “Charges that the Company deducts” in “Charges, Expenses, and Adjustments” in the Prospectus.


Are There Ongoing Fees and Expenses?		Yes. Each series of the contract provides for different ongoing fees and expenses. The table below describes the fees and expenses that you may pay each year , depending on the investment options and optional benefits you choose. Please refer to your contract specifications page for information about the specific fees you will pay each year based on the options you have elected. The fees and expenses in the table below do not reflect advisory fees paid to financial intermediaries from the contract value or other assets of the owner and if such fees were reflected the below fees and charges would be higher. There is an implicit ongoing fee associated with Segments because the amount you can earn on a Segment is limited by us by the Segment’s Performance Cap Rate. The Performance Cap Rate may cause your returns under the Segment to be lower than the Index’s returns. In return for accepting this limit on Index gains, you receive some protection from Index losses through the Segment Buffer. The implicit ongoing fee from the Performance Cap Rate is not reflected in the tables below.



Annual Fee	Minimum	Maximum
Base Contract Fee (Variable Investment Option Fee) (varies by contract series) (1)(2)	0.65%	1.65%
Portfolio Company fees and expenses (3)	0.54%	0.68%


		(1) Expressed as an annual percentage of daily net assets in the variable investment options. This fee does not apply to amounts held in a Segment.


		(2) On a non-guaranteed basis, we may waive any portion of the base contract fee as it applies to the EQ/Money Market variable investment option (including any amounts in the dollar cap averaging account) to the extent that the fee exceeds the income distributed by the underlying EQ/Money Market Portfolio. This waiver is limited to the base contract fee, and it is not a fee waiver or performance guarantee for the underlying EQ/Money Market Portfolio. See “Base Contract fee” in “Charges and expenses ”. (3) 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. This estimate assumes that you do not take withdrawals from the contract, which could add withdrawal charges and negative Segment Interim Value adjustments that substantially increase costs.



		Lowest Annual Cost $1,119		Highest Annual Cost $2,092
		Assumes: • Investment of $100,000 • 5% annual appreciation • Least expensive combination of contract classes, Portfolio fees and expenses • No optional benefits • No sales charges or advisory fees • No additional contributions, transfers or withdrawals • No contract adjustments		Assumes: • Investment of $100,000 • 5% annual appreciation • Most expensive combination of contract classes and optional benefits and Portfolio fees and expenses • No sales charges or advisory fees • No additional contributions, transfers or withdrawals • No contract adjustments



		For additional information about ongoing fees and expenses see “Fee Table” in the Prospectus.

Charges for Early Withdrawals [Text Block]

Yes.

Withdrawal Charges

Each series of the contract provides for different withdrawal charge periods and percentages.

Series B

— If you surrender your contract, apply your cash value to a non-life contingent annuity payment option, or withdraw money from Series B of the contract within 5 years following your last contribution, you will be assessed a withdrawal charge of up to 5% of contributions withdrawn. For example, if you make a withdrawal in the first year, you could pay a withdrawal charge of up to $5,000 on a $100,000 investment. This loss will be greater if there is a negative Segment Interim Value adjustment for amounts withdrawn from the Segments of the SIO, and/or if you have to pay taxes or tax penalties.

Series C

— No withdrawal charge.

Series ADV

— No withdrawal charge.

Segment Interim Value

There is a Segment Interim Value adjustment for amounts removed from a Segment of the SIO before Segment maturity and because the end-of-term downside protection provided by a Segment Buffer does not apply to the Segment Interim Value, it is theoretically possible that you could lose up to 100% of your investment and previously credited interest in certain extreme scenarios. For example, if you allocate $100,000 to a 3-year Segment and later withdraw the entire amount before the 3 years have ended, you could lose up to $100,000 of your investment. This loss may be greater if you also have to pay a withdrawal charge under a Series B contract, and/or if you have to pay taxes or tax penalties. Prior to the Segment Maturity Date, the following transactions trigger the Segment Interim Value: (1) the receipt of an in good order death claim by your beneficiary; (2) a withdrawal (including an automatic or systematic withdrawal, a required minimum distribution, a withdrawal to pay advisory fees under a Series ADV contract and a free withdrawal under a Series B contract); (3) if you surrender or annuitize your contract; or (4) if you cancel your contract and return it to us for a refund within your state’s “free look” period.

For additional information about charges and adjustments for surrenders and early withdrawals see “Withdrawal charge” in and “Adjustments with respect to early distributions from Segments” “Charges, Expenses, and Adjustments” in the Prospectus.

Key Information, Contract Adjustments if Amounts are Removed [Text Block]

Key Information, Maximum Loss Resulting from Negative Adjustment [Percent]

100.00%

Key Information, Example of Maximum Loss Resulting from Negative Adjustment [Text Block]

For example, if you allocate $100,000 to a 3-year Segment and later withdraw the entire amount before the 3 years have ended, you could lose up to $100,000 of your investment. This loss may be greater if you also have to pay a withdrawal charge under a Series B contract, and/or if you have to pay taxes or tax penalties. Prior to the Segment Maturity Date, the following transactions trigger the Segment Interim Value:

Key Information, Example of Maximum Loss on One Hundred Thousand Dollars Resulting from Negative Adjustment

$ 100,000

Transaction Charges [Text Block]

Yes.

In addition to withdrawal charges and the Segment Interim Value, you may also be charged for other transactions, including special requests such as wire transfers, express mail, duplicate contracts, preparing checks, third-party transfers or exchanges; or when you transfer between investment options in excess of a certain number.

For additional information about transaction charges see “Charges that the Company deducts” in “Charges, Expenses, and Adjustments” in the Prospectus.

Key Information, Transactions Subject to Contract Adjustment [Text Block]

Ongoing Fees and Expenses [Table Text Block]


Are There Ongoing Fees and Expenses?		Yes. Each series of the contract provides for different ongoing fees and expenses. The table below describes the fees and expenses that you may pay each year , depending on the investment options and optional benefits you choose. Please refer to your contract specifications page for information about the specific fees you will pay each year based on the options you have elected. The fees and expenses in the table below do not reflect advisory fees paid to financial intermediaries from the contract value or other assets of the owner and if such fees were reflected the below fees and charges would be higher. There is an implicit ongoing fee associated with Segments because the amount you can earn on a Segment is limited by us by the Segment’s Performance Cap Rate. The Performance Cap Rate may cause your returns under the Segment to be lower than the Index’s returns. In return for accepting this limit on Index gains, you receive some protection from Index losses through the Segment Buffer. The implicit ongoing fee from the Performance Cap Rate is not reflected in the tables below.



Annual Fee	Minimum	Maximum
Base Contract Fee (Variable Investment Option Fee) (varies by contract series) (1)(2)	0.65%	1.65%
Portfolio Company fees and expenses (3)	0.54%	0.68%


		(1) Expressed as an annual percentage of daily net assets in the variable investment options. This fee does not apply to amounts held in a Segment.


		(2) On a non-guaranteed basis, we may waive any portion of the base contract fee as it applies to the EQ/Money Market variable investment option (including any amounts in the dollar cap averaging account) to the extent that the fee exceeds the income distributed by the underlying EQ/Money Market Portfolio. This waiver is limited to the base contract fee, and it is not a fee waiver or performance guarantee for the underlying EQ/Money Market Portfolio. See “Base Contract fee” in “Charges and expenses ”. (3) 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. This estimate assumes that you do not take withdrawals from the contract, which could add withdrawal charges and negative Segment Interim Value adjustments that substantially increase costs.

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

^[1],[2]

0.65%

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

^[1],[2]

1.65%

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

^[3]

0.54%

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

^[3]

0.68%

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

Expressed as an annual percentage of daily net assets in the variable investment options. This fee does not apply to amounts held in a Segment.

On a non-guaranteed basis, we may waive any portion of the base contract fee as it applies to the EQ/Money Market variable investment option (including any amounts in the dollar cap averaging account) to the extent that the fee exceeds the income distributed by the underlying EQ/Money Market Portfolio. This waiver is limited to the base contract fee, and it is not a fee waiver or performance guarantee for the underlying EQ/Money Market Portfolio. See “Base Contract fee” in “Charges and expenses

”.

Index-Linked Option, Implicit Ongoing Fees [Text Block]

There is an implicit ongoing fee associated with Segments because the amount you can earn on a Segment is limited by us by the Segment’s Performance Cap Rate.

Index-Linked Option, Implicit Ongoing Fees Return may be Lower than the Index Return [Text Block]

The Performance Cap Rate may cause your returns under the Segment to be lower than the Index’s returns.

Index-Linked Option, Implicit Ongoing Fees Provide Some Protection from Index Losses [Text Block]

In return for accepting this limit on Index gains, you receive some protection from Index losses through the Segment Buffer.

Index-Linked Option, Implicit Ongoing Fees Not Reflected [Text Block]

The implicit ongoing fee from the Performance Cap Rate is not reflected in the tables below.

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]


		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. This estimate assumes that you do not take withdrawals from the contract, which could add withdrawal charges and negative Segment Interim Value adjustments that substantially increase costs.



		Lowest Annual Cost $1,119		Highest Annual Cost $2,092
		Assumes: • Investment of $100,000 • 5% annual appreciation • Least expensive combination of contract classes, Portfolio fees and expenses • No optional benefits • No sales charges or advisory fees • No additional contributions, transfers or withdrawals • No contract adjustments		Assumes: • Investment of $100,000 • 5% annual appreciation • Most expensive combination of contract classes and optional benefits and Portfolio fees and expenses • No sales charges or advisory fees • No additional contributions, transfers or withdrawals • No contract adjustments



		For additional information about ongoing fees and expenses see “Fee Table” in the Prospectus.

Lowest Annual Cost [Dollars]

$ 1,119

Highest Annual Cost [Dollars]

$ 2,092

Lowest Annual Cost Footnotes [Text Block]

Assumes:

•

Investment of $100,000

•

5% annual appreciation

•

Least expensive combination of contract classes, Portfolio fees and expenses

•

No optional benefits

•

No sales charges or advisory fees

•

No additional contributions, transfers or withdrawals

•

No contract adjustments

Highest Annual Cost Footnotes [Text Block]

Assumes:

•

Investment of $100,000

•

5% annual appreciation

•

Most expensive combination of contract classes and optional benefits and Portfolio fees and expenses

•

No sales charges or advisory fees

•

No additional contributions, transfers or withdrawals

•

No contract adjustments

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 account value, depending on the investment options you choose. The return on the Segments of the SIO may be negative and there is a risk of substantial loss of your principal and previously credited interest due to negative index performance because you agree to absorb all losses to the extent they exceed the Segment Buffer. You could lose as much as 70% (for Segments with a -30% Segment Buffer) to 90% (for Segments with a -10% Segment Buffer) of your principal and previously credited interest due to negative index performance on the Segment Maturity Date. We may change the Indices and/or Segment Options in the future, but we will always offer a Segment Option with a Segment Buffer that protects the first 10% of loss. In the future, we may offer other Segment Options that do not provide any downside protection which would mean there is a risk of loss of the entire amount invested. 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 is not a short-term investment and is not appropriate for an investor who needs ready access to cash because the contract is designed to provide for the accumulation of retirement savings and income on a long-term basis. As such, you should not use the contract as a short-term investment or savings vehicle. A withdrawal charge may apply in certain circumstances and any withdrawals may also be subject to federal and state income taxes and tax penalties. Amounts removed from a Segment of the SIO prior to the Segment Maturity Date will not receive Index interest, and may result in a negative Segment Interim Value adjustment which could reduce the Segment Investment and death benefit by significantly more than the amount withdrawn. On the Segment Maturity Date, the value of your maturing Segments will be reallocated according to your instructions on file, assuming that all participation requirements for those allocations are met, and those instructions may include allocations to different Segment Types or to the next available Segment of the same Segment Type. If you have not provided us with maturity instructions for a maturing Segment, then by default the Segment Maturity Value will be transferred to the same Segment Type as the maturing Segment. However, if the next Segment to be created in the Segment Type would have a Segment Maturity Date that is later than your contract maturity date or if that Segment Type has been terminated, we will instead transfer your Segment Maturity Value to the EQ/Money Market variable investment option. For additional information about the investment profile of the contract see “Fee Table” in the Prospectus.


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 (e.g., the Portfolios) and the SIO (e.g., the reference Indices). Each investment option available under the contract has its own unique risks. You should review the Portfolios and the Segments of the SIO available under the contract before making an investment decision. The Performance Cap Rate of a Segment may limit your participation in positive returns on the Segment Maturity Date. For example, if the Index return is 12% and the Performance Cap Rate is 4%, we will credit 4% in interest on the Segment Maturity Date assuming there are no fees or charges assessed, meaning your Segment Investment will increase by 4%. The Performance Cap Rate may cause your returns under the Segment to be lower than the Index’s returns.
		The Segment Buffer of a Segment provides some protection against negative returns on the Segment Maturity Date. The Segment Buffer is the maximum amount of negative interest we will assume and we will credit any negative interest in excess of the Segment Buffer which means you bear all loss that exceeds the Segment Buffer. For example, if the Index return is -25% and the Segment Buffer is -10%, we will credit -15% (the amount that exceeds the Segment Buffer) on the Segment Maturity Date assuming there are no fees or charges assessed, meaning your Segment Investment will decrease by 15%. All of the Indices we currently offer are “price return” indices, not “total return” indices, and therefore the performance of any Index does not reflect dividends paid on the securities included in the Index. This reduces the Index return, and the Index will underperform a direct investment in the securities composing the Index. For additional information about the risks associated with investment options see “Structured Investment Option”, “Variable investment options” and “Portfolios of the Trust” in “Purchasing the contract”, as well as, “Principal risks of investing in the contract” and 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 contract’s account value. The general obligations, including the SIO, and the death benefits, 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 https://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.

Index-Linked Option Key Information, Maximum Loss Resulting from Negative Index Performance, Risk [Percent]

90.00%

Index-Linked Option Key Information, Minimum Limit on Index Losses, Risk [Percent]

10.00%

Index-Linked Option Key Information, Lowest Maximum Loss Resulting from Negative Index Performance, Risk [Percent]

70.00%

Index-Linked Option Key Information, No Guaranteed Limit on Index Losses May Lose Entire Investment, Risk [Text Block]

Key Information, Reallocation Risk [Text Block]

On the Segment Maturity Date, the value of your maturing Segments will be reallocated according to your instructions on file

Index-Linked Option Key Information, Limits the Negative Return Risk [Text Block]

The Segment Buffer of a Segment provides some protection against negative returns on the Segment Maturity Date. The Segment Buffer is the maximum amount of negative interest we will assume and we will credit any negative interest in excess of the Segment Buffer which means you bear all loss that exceeds the Segment Buffer. For example, if the Index return is -25% and the Segment Buffer is -10%, we will credit -15% (the amount that exceeds the Segment Buffer) on the Segment Maturity Date assuming there are no fees or charges assessed, meaning your Segment Investment will decrease by 15%.

Index-Linked Option Key Information, Example of Limiting the Negative Return Risk [Text Block]

For example, if the Index return is -25% and the Segment Buffer is -10%, we will credit -15% (the amount that exceeds the Segment Buffer) on the Segment Maturity Date assuming there are no fees or charges assessed, meaning your Segment Investment will decrease by 15%.

Index-Linked Option Key Information, Price Return Index, Risk [Text Block]

All of the Indices we currently offer are “price return” indices, not “total return” indices, and therefore the performance of any Index does not reflect dividends paid on the securities included in the Index. This reduces the Index return, and the Index will underperform a direct investment in the securities composing the Index.

Index-Linked Option Key Information, Price Return Index Underperforms Direct Investments, Risk [Text Block]

This reduces the Index return, and the Index will underperform a direct investment in the securities composing the Index.

Investment Restrictions [Text Block]

Yes.

We may, at any time, exercise our rights to limit or terminate your contributions, allocations and transfers to any of the investment options and to limit the number of investment options which you may select. Such rights include, among others, removing or substituting the Portfolios, combining any two or more investment options and transferring account value from any investment option to another investment option. You will not be permitted to invest in a Segment if the Segment Maturity Date is later than your contract maturity date. The maximum current number of active Segments, funded holding accounts, and/or Segment Types with an allocation on file that may be active in your contract at any time is 134.

We reserve the right to offer any or all Segments more or less frequently or to stop offering any or all of them or to suspend offering any or all of them temporarily for some or all contracts. If we stop offering these options, you will be limited to investing in the variable investment options, which are not tied to the performance of an index.

We may offer new Segment Types in the future, and we may change the features of a Segment Type between Segments, including the Index, the Segment Buffer, and the Performance Cap Rate (subject to the minimum rates disclosed herein).

We have the right to substitute an alternative Index prior to the Segment Maturity Date if the publication of one or more Indices is discontinued, or if we no longer have a license agreement with the publishers of the Index, or at our sole discretion we determine that our use of such Indices should be discontinued because hedging instruments become difficult to acquire or the cost of hedging becomes excessive, or if the calculation of one or more of the Indices is substantially changed. In addition, we reserve the right to use any or all reasonable methods to end any outstanding Segments that use such Indices. We also have the right to add additional Indices under the contract at any time.

We can refuse to accept any application or contribution from you at any time, including after you purchase the contract.

If you elect to pay the advisory fee from your account value, then these deductions will, among other things, reduce the account value, and may be subject to federal and state income taxes and a 10% federal penalty tax.

We reserve the right to discontinue the acceptance of, and/or place additional limitations on, contributions into certain investment options, including any of the Segments comprising the SIO. If we exercise this right, your ability to invest in your contract, increase your account value and, consequently, increase your death benefit, will be limited.

Currently, we do not charge for transfers among investment options under the contract. However, we reserve the right to charge for any transfers among the variable investment options in excess of 12 per contract year. We will provide you with advance notice if we decide to assess the transfer charge, which will never exceed $35 per transfer.

For additional information about restrictions on the investment options, see “Transfer charge” in “Charges, Expenses, and Adjustments”, “The Separate Account” in “More Information, and “Portfolios of the Trust” and “Structured Investment Option” in “Purchasing the contract” in the Prospectus.

Key Information, Benefit Restrictions [Text Block]

Yes.

At any time, we have the right to limit or terminate your ability to contribute to any of the investment options. If you have one or more guaranteed benefits like the Choice Segments and we exercise our right to discontinue the acceptance of, and/or place additional limitations on, contributions to the contract, you may no longer be able to fund your guaranteed benefit(s).

Withdrawals may affect the availability of the benefit by reducing the benefit by an amount greater than the value withdrawn and may terminate the benefit.

For additional information about the optional benefits see “How you can purchase and contribute to your contract” in “Purchasing the contract” and “Benefits available under the contract” in the Prospectus.

Tax Implications [Text Block]

You should consult with a tax professional to determine the tax implications of an investment in, and 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). Withdrawals will be subject to ordinary income tax and may be subject to tax penalties. Generally, you are not taxed until you make a withdrawal from the contract.

For additional information about tax implications 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 exisiting contract, that it is preferable to purchase the new contract rather than continue to own your existing contract.

For additional information about exchanges see “Charge for third-party transfer or exchange” in “Charges, Expenses, and Adjustments” in the Prospectus.

Item 4. Fee Table [Line Items]

Item 4. Fee Table [Text Block]

Fee Table

The following tables describe the fees, expenses, and adjustments that you will pay when buying, owning, surrendering or making withdrawals from an investment option or from 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 elected.

The fees and expenses do not reflect any advisory fees paid to a financial intermediary from the contract or other assets of the owner and if such charges were reflected such fees and expenses would be higher.

The first table describes fees and expenses that you will pay at the time that you buy the contract, surrender the contract or if you make certain withdrawals from an investment option or from the contract, transfer account value between investment options, or request special services. Charges designed to approximate certain taxes that may be imposed on us, such as premium taxes in your state, may also apply.


Transaction Expenses


	Series B	Series C	Series ADV

Sales Load Imposed on Purchases (as a percentage of purchase payments)	None	None	None

Withdrawal Charge (as a percentage of contributions withdrawn)	5.00% (1)	None	None

Transfer Fee (2)	$35	$35	$35

Special Service Charges (3)	$90	$90	$90

(1)

The charge percentage we use is determined by the number of years since receipt of the contribution to which the charge relates if you make a withdrawal, surrender your contract to receive its cash value, or, if offered, surrender your contract to apply your cash value to a non-life contingent annuity payment option.


Charge as a % of contribution for each year following contribution
1	2	3	4	5	6+
5%	5%	5%	4%	3%	0%

(2)

Currently, we do not charge for transfers among investment options under the contract. However, we reserve the right to charge for transfers among the variable investment options in excess of 12 transfers per contract year. We will charge no more than $35 for each transfer at the time each transfer is processed. See “Transfer charge” under “Charges that the Company deducts” in “Charges, Expenses, and Adjustments”. We will not count transfers from Segment Type Holding Accounts into Segments on a Segment Start Date, or the allocation of Segment Maturity Value on a Segment Maturity Date in calculating the number of transfers subject to this charge.

(3)

Special service charges include (1) express mail charge; (2) wire transfer charge; (3) duplicate contract charge; and (4) check preparation charge. The current maximum charge for each service is $90. These charges may increase over time to cover our administrative costs. We may discontinue these services at any time. The duplicate contract charge is currently waived.

The next table describes the adjustments, in addition to any transaction expenses, that apply if all or a portion of the account value is removed from an investment option or from the contract before the expiration of a specified period.

(1)

Applies to withdrawals (including automatic or systematic withdrawals, or required minimum distributions), surrenders, death benefits, annuitization, and contract cancellation prior to the Segment Maturity Date. The actual amount of the Segment Interim Value calculation is determined by a formula that depends on, among other things, the Segment Buffer and how the Index has performed since the Segment Start Date. The maximum loss would occur if there is a total distribution for a Segment at a time when the Index price has declined to zero. If you surrender, annuitize, cancel your variable annuity contract, die, or make a withdrawal from a Segment before the Segment Maturity Date, the Segment Buffer will not necessarily apply to the extent it would on the Segment Maturity Date, and any upside performance will be limited to a percentage lower than the Performance Cap Rate. See “Structured Investment Option” for more information.

(2)	Because the end-of-term downside protection provided by a Segment Buffer does not apply to the Segment Interim Value, it is theoretically possible that you could lose up to 100% of your investment and previously credited interest in certain extreme scenarios.

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). If you choose to purchase an optional benefit, you will pay additional charges, as shown below.


Annual Contract Expenses
	Series B	Series C	Series ADV

Base Contract Fee (Variable Investment Option Fee) (as a percentage of daily net assets in the variable investment options, including the Segment Type Holding Accounts) (1)	1.25%	1.65%	0.65%

Choice Segments with 3-year Segment Duration (2)	3.00%	3.00%	3.00%

Choice Segments with 5-year Segment Duration (2)	5.00%	5.00%	5.00%

(1)

(2)

Applicable to the Choice Segments only. Equal to 1% of the Segment Investment for each year of the Segment Duration. On the Segment Maturity Date, we deduct the Choice cost from the Index Performance Rate of a Choice Segment, but only if the Index Performance Rate is positive for that Segment. Additionally, if the Index Performance Rate is positive for a Choice Segment but less than the applicable Choice cost, the Choice cost deducted will be the maximum amount that will not cause the Segment Maturity Value to be less than the Segment Investment. The Segment Interim Value for a Choice Segment will reflect the application of a portion of the Choice cost, as described in more detail in the SAI. Please note that if, on a Segment Start Date, we determine that the Performance Cap Rate for a Choice Segment will not exceed the Performance Cap Rate for a comparable Standard Segment (i.e., with the same Index, Segment Duration, Segment Buffer and Segment Start Date) by an amount that is at least equal to the Choice cost, we will waive the Choice cost and declare a Performance Cap Rate for the Choice Segment that is equal to the Performance Cap Rate for the Standard Segment.

In addition to the fees described above, we limit the amount you can earn on the Segments. This means your returns may be lower than the Index’s returns. In return for accepting this limit on Index gains, you will receive some protection from Index losses.

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%	0.68%

(*)

“Annual Portfolio Expenses” are 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.

Example

These Examples are intended to help you compare the cost of investing in the variable investment options with the cost of investing in other annuity contracts that offer variable investment options. These costs include transaction expenses, annual contract expenses, and annual Portfolio expenses.

These Examples assume all account value is allocated to the variable investment options. The Examples do not reflect the Segment Interim Value adjustment for the Segments of the SIO. Your costs could differ from those shown below if you invest in the Segments.

These Examples do not reflect any advisory fees paid to a financial intermediary from the contract or other assets of the owner and if such charges were reflected the costs would be higher.

These Examples assume that you invest $100,000 in the variable investment options for the time periods indicated. The Examples also assume that your investment has a 5% return each year and assume the most expensive combination of annual Portfolio expenses.

Although your actual costs may be higher or lower, based on these assumptions, your cost would be:

Series B


	If you surrender your contract or annuitize (under a non-life option) at the end of the applicable time period								If you do not surrender your contract
	1 year		3 years		5 years		10 years		1 year		3 years		5 years		10 years
EQ/CoreBond Index	$	6,869	$	10,784	$	12,949	$	21,556	$	1,869	$	5,784	$	9,949	$	21,556
EQ/Equity500 Index	$	6,964	$	11,071	$	13,432	$	22,547	$	1,964	$	6,071	$	10,432	$	22,547
EQ/MoneyMarket	$	7,016	$	11,230	$	13,700	$	23,094	$	2,016	$	6,230	$	10,700	$	23,094

Series C


	If you surrender your contract or annuitize (under a non-life option) at the end of the applicable time period								If you do not surrender your contract
	1 year		3 years		5 years		10 years		1 year		3 years		5 years		10 years
EQ/CoreBond Index	$	2,289	$	7,055	$	12,083	$	25,894	$	2,289	$	7,055	$	12,083	$	25,894
EQ/Equity500 Index	$	2,384	$	7,339	$	12,558	$	26,846	$	2,384	$	7,339	$	12,558	$	26,846
EQ/MoneyMarket	$	2,436	$	7,497	$	12,821	$	27,372	$	2,436	$	7,497	$	12,821	$	27,372

Series ADV


	If you surrender your contract or annuitize (under a non-life option) at the end of the applicable time period								If you do not surrender your contract
	1 year		3 years		5 years		10 years		1 year		3 years		5 years		10 years
EQ/CoreBond Index	$	1,239	$	3,859	$	6,679	$	14,712	$	1,239	$	3,859	$	6,679	$	14,712
EQ/Equity500 Index	$	1,334	$	4,149	$	7,175	$	15,765	$	1,334	$	4,149	$	7,175	$	15,765
EQ/MoneyMarket	$	1,386	$	4,310	$	7,449	$	16,346	$	1,386	$	4,310	$	7,449	$	16,346

Transaction Expenses [Table Text Block]

The following tables describe the fees, expenses, and adjustments that you will pay when buying, owning, surrendering or making withdrawals from an investment option or from 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 elected.


Transaction Expenses


	Series B	Series C	Series ADV

Sales Load Imposed on Purchases (as a percentage of purchase payments)	None	None	None

Withdrawal Charge (as a percentage of contributions withdrawn)	5.00% (1)	None	None

Transfer Fee (2)	$35	$35	$35

Special Service Charges (3)	$90	$90	$90

(1)


Charge as a % of contribution for each year following contribution
1	2	3	4	5	6+
5%	5%	5%	4%	3%	0%

(2)

(3)

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

(1.00%)

Deferred Sales Load, Footnotes [Text Block]

(1)


Charge as a % of contribution for each year following contribution
1	2	3	4	5	6+
5%	5%	5%	4%	3%	0%

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

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). If you choose to purchase an optional benefit, you will pay additional charges, as shown below.


Annual Contract Expenses
	Series B	Series C	Series ADV

Base Contract Fee (Variable Investment Option Fee) (as a percentage of daily net assets in the variable investment options, including the Segment Type Holding Accounts) (1)	1.25%	1.65%	0.65%

Choice Segments with 3-year Segment Duration (2)	3.00%	3.00%	3.00%

Choice Segments with 5-year Segment Duration (2)	5.00%	5.00%	5.00%

(1)

(2)

Base Contract Expense, Footnotes [Text Block]

Other Annual Expense, Footnotes [Text Block]

Index-Linked Option Fee Table, Limits Positive Returns Note [Text Block]

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%	0.68%

(*)

Portfolio Company Expenses, Footnotes [Text Block]

(*)

Surrender Example [Table Text Block]

Example

These Examples do not reflect any advisory fees paid to a financial intermediary from the contract or other assets of the owner and if such charges were reflected the costs would be higher.

Although your actual costs may be higher or lower, based on these assumptions, your cost would be:

Series B


	If you surrender your contract or annuitize (under a non-life option) at the end of the applicable time period								If you do not surrender your contract
	1 year		3 years		5 years		10 years		1 year		3 years		5 years		10 years
EQ/CoreBond Index	$	6,869	$	10,784	$	12,949	$	21,556	$	1,869	$	5,784	$	9,949	$	21,556
EQ/Equity500 Index	$	6,964	$	11,071	$	13,432	$	22,547	$	1,964	$	6,071	$	10,432	$	22,547
EQ/MoneyMarket	$	7,016	$	11,230	$	13,700	$	23,094	$	2,016	$	6,230	$	10,700	$	23,094

Series C


	If you surrender your contract or annuitize (under a non-life option) at the end of the applicable time period								If you do not surrender your contract
	1 year		3 years		5 years		10 years		1 year		3 years		5 years		10 years
EQ/CoreBond Index	$	2,289	$	7,055	$	12,083	$	25,894	$	2,289	$	7,055	$	12,083	$	25,894
EQ/Equity500 Index	$	2,384	$	7,339	$	12,558	$	26,846	$	2,384	$	7,339	$	12,558	$	26,846
EQ/MoneyMarket	$	2,436	$	7,497	$	12,821	$	27,372	$	2,436	$	7,497	$	12,821	$	27,372

Series ADV


	If you surrender your contract or annuitize (under a non-life option) at the end of the applicable time period								If you do not surrender your contract
	1 year		3 years		5 years		10 years		1 year		3 years		5 years		10 years
EQ/CoreBond Index	$	1,239	$	3,859	$	6,679	$	14,712	$	1,239	$	3,859	$	6,679	$	14,712
EQ/Equity500 Index	$	1,334	$	4,149	$	7,175	$	15,765	$	1,334	$	4,149	$	7,175	$	15,765
EQ/MoneyMarket	$	1,386	$	4,310	$	7,449	$	16,346	$	1,386	$	4,310	$	7,449	$	16,346

Annuitize Example [Table Text Block]

Example

These Examples do not reflect any advisory fees paid to a financial intermediary from the contract or other assets of the owner and if such charges were reflected the costs would be higher.

Although your actual costs may be higher or lower, based on these assumptions, your cost would be:

Series B


	If you surrender your contract or annuitize (under a non-life option) at the end of the applicable time period								If you do not surrender your contract
	1 year		3 years		5 years		10 years		1 year		3 years		5 years		10 years
EQ/CoreBond Index	$	6,869	$	10,784	$	12,949	$	21,556	$	1,869	$	5,784	$	9,949	$	21,556
EQ/Equity500 Index	$	6,964	$	11,071	$	13,432	$	22,547	$	1,964	$	6,071	$	10,432	$	22,547
EQ/MoneyMarket	$	7,016	$	11,230	$	13,700	$	23,094	$	2,016	$	6,230	$	10,700	$	23,094

Series C


	If you surrender your contract or annuitize (under a non-life option) at the end of the applicable time period								If you do not surrender your contract
	1 year		3 years		5 years		10 years		1 year		3 years		5 years		10 years
EQ/CoreBond Index	$	2,289	$	7,055	$	12,083	$	25,894	$	2,289	$	7,055	$	12,083	$	25,894
EQ/Equity500 Index	$	2,384	$	7,339	$	12,558	$	26,846	$	2,384	$	7,339	$	12,558	$	26,846
EQ/MoneyMarket	$	2,436	$	7,497	$	12,821	$	27,372	$	2,436	$	7,497	$	12,821	$	27,372

Series ADV


	If you surrender your contract or annuitize (under a non-life option) at the end of the applicable time period								If you do not surrender your contract
	1 year		3 years		5 years		10 years		1 year		3 years		5 years		10 years
EQ/CoreBond Index	$	1,239	$	3,859	$	6,679	$	14,712	$	1,239	$	3,859	$	6,679	$	14,712
EQ/Equity500 Index	$	1,334	$	4,149	$	7,175	$	15,765	$	1,334	$	4,149	$	7,175	$	15,765
EQ/MoneyMarket	$	1,386	$	4,310	$	7,449	$	16,346	$	1,386	$	4,310	$	7,449	$	16,346

No Surrender Example [Table Text Block]

Example

These Examples do not reflect any advisory fees paid to a financial intermediary from the contract or other assets of the owner and if such charges were reflected the costs would be higher.

Although your actual costs may be higher or lower, based on these assumptions, your cost would be:

Series B


	If you surrender your contract or annuitize (under a non-life option) at the end of the applicable time period								If you do not surrender your contract
	1 year		3 years		5 years		10 years		1 year		3 years		5 years		10 years
EQ/CoreBond Index	$	6,869	$	10,784	$	12,949	$	21,556	$	1,869	$	5,784	$	9,949	$	21,556
EQ/Equity500 Index	$	6,964	$	11,071	$	13,432	$	22,547	$	1,964	$	6,071	$	10,432	$	22,547
EQ/MoneyMarket	$	7,016	$	11,230	$	13,700	$	23,094	$	2,016	$	6,230	$	10,700	$	23,094

Series C


	If you surrender your contract or annuitize (under a non-life option) at the end of the applicable time period								If you do not surrender your contract
	1 year		3 years		5 years		10 years		1 year		3 years		5 years		10 years
EQ/CoreBond Index	$	2,289	$	7,055	$	12,083	$	25,894	$	2,289	$	7,055	$	12,083	$	25,894
EQ/Equity500 Index	$	2,384	$	7,339	$	12,558	$	26,846	$	2,384	$	7,339	$	12,558	$	26,846
EQ/MoneyMarket	$	2,436	$	7,497	$	12,821	$	27,372	$	2,436	$	7,497	$	12,821	$	27,372

Series ADV


	If you surrender your contract or annuitize (under a non-life option) at the end of the applicable time period								If you do not surrender your contract
	1 year		3 years		5 years		10 years		1 year		3 years		5 years		10 years
EQ/CoreBond Index	$	1,239	$	3,859	$	6,679	$	14,712	$	1,239	$	3,859	$	6,679	$	14,712
EQ/Equity500 Index	$	1,334	$	4,149	$	7,175	$	15,765	$	1,334	$	4,149	$	7,175	$	15,765
EQ/MoneyMarket	$	1,386	$	4,310	$	7,449	$	16,346	$	1,386	$	4,310	$	7,449	$	16,346

Item 5. Principal Risks [Line Items]

Item 5. Principal Risks [Table Text Block]

Principal risks of investing in the contract

This section discusses certain risks associated with purchasing a contract. The level of risk you bear and your potential investment performance will differ depending on the investments you choose.

Variable Investment Options

•

The value of your variable investment options will fluctuate and you could lose some or all of your account value.

•

The level of risk you bear and your potential investment performance will differ depending on the investments you choose.

Structured Investment Option

An investor is not invested in the Index or in the securities tracked by the Index.

Limiting Negative Returns (Segment Risk of Loss)

•

There is a risk of a substantial loss of your principal and previously credited interest despite limits on negative index returns because you agree to absorb all losses from the portion of any negative Index Performance Rate that exceeds the Segment Buffer on the Segment Maturity Date. The highest level of protection provided by a single Segment Investment Option is the -30% Segment Buffer and the lowest level of protection is the -10% Segment Buffer on a Segment Maturity Date.

You could lose as much as 70% (for Segments with a

-30%

Segment Buffer) to 90% (for Segments with a

-10%

Segment Buffer) of your principal and previously credited interest due to negative index performance on the Segment Maturity Date.

We may change the Indices and/or Segment Options in the future, but we will always offer a Segment Option with a Segment Buffer that protects the first 10% of Loss.

In the future, we may offer other Segment Options that do not provide any downside protection which would mean there is a risk of loss of the entire amount invested.

—

For example, the

-10%

Segment Buffer protects your Segment Investment against the first 10% of loss. If the Index Performance Rate declines by more than the Segment Buffer, you will lose an amount equal to 1% of your Segment Investment for every 1% that the Index Performance Rate declines below the Segment Buffer. This means that you could lose up to 70% of your principal and previously credited interest with a

-30%

Segment Buffer, up to 80% of your principal and previously credited interest with a

-20%

Segment Buffer and up to 90% of your principal and previously credited interest with a

-10%

Segment Buffer. Each time you roll over your Segment Maturity Value into a new Segment you are subject to the same risk of loss as described above.

Limiting Positive Returns (Performance Cap Rates)

•

Your Segment Rate of Return for any Segment is limited by its Performance Cap Rate, which could cause your Segment Rate of Return to be lower than it would otherwise be if you invested in a mutual fund or exchange-traded fund designed to track the performance of the applicable Index.

•

We declare a Performance Cap Rate for each Segment, which is the highest Segment Rate of Return that can be credited on the Segment Maturity Date for that Segment. The Performance Cap Rate may limit your participation in any increases in the underlying Index associated with a Segment. Our minimum Performance Cap Rates for 1, 3, and 5-year Segments are 2%, 6%, and 10% respectively.

We will not open a Segment with a Performance Cap Rate below the applicable minimum rate

In some cases, we may decide not to declare a Performance Cap Rate for a Segment, in which case there is no maximum Segment Rate of Return for that Segment.

•

The Performance Cap Rate is determined on the Segment Start Date. You will not know the rate in advance. Prior to the Segment Start Date, you may elect a Performance Cap Threshold. The threshold represents the minimum Performance Cap Rate you find acceptable for a particular Segment. If we declare a cap that is lower than the threshold you specify, you will not be invested in that Segment and your contribution will remain in that Segment Type Holding Account, for as long as the Performance Cap Threshold is in effect.

—

For contracts issued prior to August 25, 2014: A Performance Cap Threshold will be in effect until the next Segment Start Date on which your threshold is met or you provide us with alternative instructions. This means that if you set a Performance Cap Threshold and then subsequently neglect to remove it despite having revised your performance expectations, you may miss out on investing in a Segment with a Performance Cap Rate that meets or exceeds your revised objectives. You also risk having amounts remain in Segment Type Holding Accounts for lengthy periods of time rather than being invested in Segments.

—

Start Dates following your election, any amounts in the applicable Segment Type Holding Account (including any funds transferred to that holding account after your election) on the business day immediately preceding the fourth scheduled Segment Start Date after your election will be transferred into the Segment created on that Segment Start Date, unless you specify a new the Performance Cap Threshold prior to that date.

You must set a new Performance Cap Threshold prior to the fourth scheduled Segment Start Date after your initial Performance Cap Threshold setting to avoid having amounts automatically transferred into

the associated Segment,

which may have a Performance Cap Rate that does not meet your investment objectives.

In addition, if your Performance Cap Threshold was satisfied on the first or second scheduled Segment Start Date following your election and amounts in the applicable Segment Type Holding Account were transferred into a Segment, the Performance Cap Threshold will continue to apply to any amounts you subsequently transfer into that Segment Type Holding Account until the PCT Expiry Date. A “scheduled Segment Start Date” includes any date on which a Segment was scheduled to start but was not offered as of that date. A suspension of the Segment Type will not extend the PCT Expiry Date.

Example 1:

Assume you set a Performance Cap Threshold of 25% for the S&P 500 Price Return Index/5 year/-20% Standard Segment Type on March 1 and allocate $20,000 to the holding account for that Segment Type. If on the next three Segment Start Dates of March 15, April 15 and May 15 we declare Performance Cap Rates of 22%, 24% and 24% respectively for the Segments opened on those dates, your $20,000 allocation will not be transferred to any of those Segments. Your Performance Cap Threshold will then expire on May 16. If you don’t set a new Performance Cap Threshold before the following Segment Start Date of June 15, your $20,000 allocation will be transferred to that Segment regardless of whether the Performance Cap Rate we declare is higher, equal to or lower than 25%.

Example 2:

Assume you set a Performance Cap Threshold of 25% for the S&P 500 Price Return Index/5 year/-20% Standard Segment Type on March 1 and allocate $20,000 to the holding account for that Segment Type. If on the next Segment Start Date of March 15, we declare a Performance Cap Rate of 28% for the Segment, your $20,000 allocation will be transferred to that Segment. Assume you then allocate another $10,000 to the holding account for that Segment Type on March 20. Your existing Performance Cap Threshold of 25% remains in effect and will not expire until May 16. If on the next Segment Start Date of April 15 we declare a Performance Cap Rate of 22% for the Segment, your $10,000 allocation will

not be transferred to that Segment.

If you do not specify a threshold, or your Performance Cap Threshold expires, you risk the possibility that the Performance Cap Rate established will have a lower cap than you would find acceptable. Performance Cap Thresholds are not available if you invest in the Dollar Cap Averaging Program or elect to invest using Pre-Packaged Segment Selection. The Performance Cap Rate is a rate of return from the Segment Start Date to the Segment Maturity Date, NOT an annual rate of return, even if the Segment Duration is longer than one year.

•

Segment Types with greater protection tend to have lower Performance Cap Rates than other similar Segment Types that use the same Index and duration but provide less protection.

Risks Related to Withdrawals (Segment Interim Value)

•

There is a risk of loss of principal and previously credited interest in (1) taking a withdrawal (including a systematic withdrawal, automatic withdrawal, required minimum distribution); (2) deducting account value to pay fees, including advisory fees; (3) surrendering or annuitizing your contract; (4) payment of a death claim; and (5) canceling your contract and return it to us for a refund within your state’s “free look” period prior to a Segment Maturity Date due to charges and Segment Interim Value adjustments imposed on those distributions, and this may occur even if index performance has been positive.

•

The method we use in calculating your Segment Interim Value may result in an amount lower than your Segment Investment, even if the corresponding Index has experienced positive investment performance since the Segment Start Date. Also, this amount may be less than the amount you would receive had you held the investment until the Segment Maturity Date.

Because the end-of-term downside protection provided by a Segment Buffer does not apply to the Segment Interim Value, it is theoretically possible that you could lose up to 100% of your investment and previously credited interest in certain extreme scenarios.

This loss will be greater if you also have to pay a withdrawal charge under a Series B contract, or if you have to pay taxes or tax penalties. See “Withdrawals and surrenders” below.

—

If you take a withdrawal, including required minimum distributions, and there is insufficient value in the variable investment options and the Segment Type Holding Accounts, we will withdraw amounts from any active Segments in your contract. Amounts withdrawn from active Segments will be valued using the formula for calculating the Segment Interim Value.

—

If you die, annuitize, cancel or surrender your contract before the Segment Maturity Date, we will pay the Segment Interim Value.

—

Any calculation of the Segment Interim Value will generally be affected by changes in both the volatility and level of the relevant Index, as well as interest rates. The calculation of the Segment Interim Value is

linked to various factors, including the value of a basket of put and call options on the relevant Index as described in “Adjustments with respect to early distributions from Segments” in “Charges, Expenses, and Adjustments” in this Prospectus. The Segment Interim Value will generally be negatively affected by increases in the expected volatility of index prices, interest rate increases, and by poor market performance. Prior to the Segment Maturity Date you will not receive the full potential of the Performance Cap since the participation in upside performance for early withdrawals is pro-rated based on the period those amounts were invested in a Segment. Generally you will not receive the full protection of the Segment Buffer prior to the Segment Maturity Date, because the Segment Interim Value reflects a portion of the downside protection expected to be provided on the Segment Maturity Date. As a Segment moves closer to the Segment Maturity Date, the Segment Interim Value would generally reflect higher realized gains of the Index performance or, in the case of negative performance, increased downside Segment Buffer protection. All other factors being equal, the Segment Interim Value would generally be lower the earlier a withdrawal or surrender is made during a Segment. This means you participate to a lesser extent in upside performance and downside protection the earlier you take a withdrawal.

Risks Related to Segments, Segment Returns, and Segment Type Holding Accounts

•

You cannot transfer out of a Segment prior to its maturity to another investment option. You can only make withdrawals out of a Segment or surrender your contract. The amount you would receive would be calculated using the formula for the Segment Interim Value.

•

We may, in our sole discretion, not offer certain Segments on one or more Segment Start Dates.

•

We may not offer new Segments of any Segment Type, so certain Segments may not be available for you to transfer your Segment Maturity Value into and you would be limited to investing in the variable investment options.

•

On the Segment Maturity Date, the value of your maturing Segments will be reallocated according to your instructions on file, assuming that all participation requirements for those allocations are met. If you have not provided us with maturity instructions for a maturing Segment, then by default the Segment Maturity Value will be transferred to the same Segment Type as the maturing Segment. Our current Performance Cap Rates will apply to the new Segment, which may be lower than the Performance Cap Rate of the maturing Segment. If you decide to remove the amounts that were transferred to the new Segment before the new Segment’s Segment Maturity Date (which may be 1, 3 or 5 years

later), the transaction will trigger the Segment Interim Value and may be subject to withdrawal charges, taxes and tax penalties.

•

If the next Segment to be created in the Segment Type would have a Segment Maturity Date that is later than your contract maturity date or if that Segment Type has been terminated, we will instead transfer your Segment Maturity Value to the EQ/Money Market variable investment option. The amounts transferred to the EQ/Money Market variable investment option may earn a return that is less than the return that could be earned in a different investment option.

•

If a Segment cannot be matured until after the scheduled Segment Start Date for a particular month, we may create new Segments of Segment Types that utilize unaffected Indices on the scheduled Segment Start Date. This may occur if the Segment Maturity Date for a Segment is delayed more than once because the value for the relevant underlying Index of the Segment is not published on the designated Segment Maturity Date. If your instructions include an allocation from a Segment whose Segment Maturity Date has been delayed to a new Segment whose underlying Index is unaffected, we will not be able to transfer that portion of your Segment Maturity Value from the affected Segment to the unaffected Segment. We will use reasonable efforts to allocate your Segment Maturity Value in accordance with your instructions, which may include holding amounts in Segment Type Holding Accounts until the next Segment Start Date.

•

The amounts held in a Segment Type Holding Account may earn a return that is less than the return you might have earned if those amounts were held in another investment option.

•

Your Segment Maturity Value is calculated based on the change in price of the Index between the Segment Start Date and the Segment Maturity Date, subject to application of the Performance Cap Rate, the Segment Buffer and (for Choice Segments only) the Choice cost. For all Segments, your Segment Maturity Value is not affected by the price of the Index on any date between the Segment Start Date and the Segment Maturity Date.

•

In the highly unlikely event we were forced to stop offering new Segments, contract owners would be limited to transferring or contributing to the other investment options. You could choose to surrender your contract, but you may be subject to withdrawal charges, taxes, and tax penalties, and if you purchase another retirement vehicle, it may have different features, fees, and risks than your annuity contract. If you are buying the annuity contract for the Structured Investment Option, you should speak to your financial adviser as to whether this product is suitable for you.

Risk Related to Indices

•

investment risks associated with the Indices they track. Because the Indices are composed of other securities, they are subject to market risk and issuer risk.

•

As an investor in the Segment, you will not have voting rights or rights to receive cash dividends or other distributions or other rights that holders of the shares of the funds or holders of securities comprising the indices would have.

•

Price return indices only consider price changes and do not account for dividends or other distributions paid out by the underlying securities, which can significantly contribute to long-term returns.

•

Market Risk.

Values of securities composing an Index and commodities can fluctuate, and sometimes wildly fluctuate, in response to changes in the financial condition of a company as well as general market, economic or political conditions. All of the Indices and commodities are exposes to market risk.

•

Large Cap Risk.

In general, it is more difficult for large-capitalization companies to change their strategies quickly in response to changes in their industries. Large-capitalization companies are typically more well-established and have lower growth rates than small-capitalization companies. The S&P 500 Price Return Index and the

NASDAQ-100

Price Return Index are comprised of

large-cap

companies.

•

Small Cap Risk.

Compared to large-capitalization companies, small-capitalization companies may be less stable and more susceptible to adverse developments. They may also be more volatile and less liquid than more established large-capitalization companies. The Russell 2000

Price Return Index is comprised of

small-cap

companies.

—

Foreign Securities Risk.

Foreign securities involve risks not associated with U.S. securities. Foreign markets may be less liquid, more volatile and subject to less government supervision than domestic markets. Differences between U.S. and foreign legal, political and economic systems, regulatory regimes and market practices also may impact security values. There are greater risks involved with investments linked to emerging market countries and/or their securities markets. Investments in these countries and/or markets may present market, credit, currency, liquidity, legal, political, technical and other risks different from, or greater than, the risks of investing in developed countries. For this purpose, China may be viewed as an emerging market and there may also be significant risks related to investments in China.

—

Commodities Risk.

The price of commodities may be affected by a variety of factors, including the global supply and demand, activities of speculative communities, and investor’s expectations. Developments affecting the value of commodities may have significant impact on the investments that

are linked to the value of such commodities. Commodity markets may be subject to sharp price fluctuations, which may lead to significant price fluctuations in investments that are linked to the value of such commodities.

•

If you invest in a Segment that provides performance tied to the performance of the iShares

Dow Jones U.S. Real Estate Index Fund, you should consider the following:

—

The performance of the iShares

Dow Jones U.S. Real Estate Index Fund may not replicate the performance of, and may underperform the iShares

Dow Jones U.S. Real Estate Index (the “underlying index”). The price of the iShares

Dow Jones U.S. Real Estate Index Fund will reflect expenses and fees that will reduce its relative performance. Moreover, it is also possible that the iShares

Dow Jones U.S. Real Estate Index Fund may not fully replicate or may, in certain circumstances, diverge significantly from the performance of the underlying index. Because the return on your Segment Investment (subject to the Performance Cap and downside Segment Buffer protection) is linked to the performance of the iShares

Dow Jones U.S. Real Estate Index Fund and not the underlying index, the return on your Segment Investment may be less than that of an alternative investment linked directly to the underlying index or the components of the underlying index.

—

The investment objective and strategies of the iShares

Dow Jones U.S. Real Estate Index Fund are potentially subject to change.

—

There are risks associated with the real estate industry. The iShares

Dow Jones U.S. Real Estate Index Fund invests in companies that invest in real estate, such as REITs or real estate holding companies. The value of real estate and, consequently, companies that invest in real estate may be affected by many complex factors that interrelate with each other in complex and unpredictable ways.

•

If you invest in a Segment that provides performance tied to the performance of the Financial Select Sector SPDR

Fund, you should consider the following:

—

The performance of the Financial Select Sector SPDR

Fund may not replicate the performance of, and may underperform the Financial Select Sector Index (the “underlying index”). The price of the Financial Select Sector SPDR

Fund will reflect expenses and fees that will reduce its relative performance. Moreover, it is also possible that the Financial Select Sector SPDR

Fund may not fully replicate or may, in certain circumstances, diverge significantly from the performance of the underlying index. Because the return on your Segment Investment (subject to the Performance Cap and downside Segment Buffer protection) is linked to

the performance of the Financial Select Sector SPDR

Fund and not the underlying index, the return on your Segment Investment may be less than that of an alternative investment linked directly to the underlying index or the components of the underlying index.

—

The investment objective and strategies of the Financial Select Sector SPDR Fund are potentially subject to change.

—

There are risks associated with the financial services sector. The Financial Select Sector SPDR

Fund invests in companies that operate in the financial services sector. Developments affecting the financial and capital markets may negatively impact the companies operating in these markets.

•

Past performance of an Index is not an indication of its future performance.

•

We have the right to substitute an alternative index prior to Segment Maturity if the publication of one or more Indices is discontinued, or if we no longer have a license agreement with the publishers of the Index, or at our sole discretion we determine that our use of such Indices should be discontinued because hedging instruments become difficult to acquire or the cost of hedging becomes excessive, or if the calculation of one or more of the Indices is substantially changed. The alternative index may not be desirable to you. If we substitute an index for an existing Segment, we would not change the Segment Buffer or Performance Cap Rate. We would attempt to choose a substitute index that has a similar investment objective and risk profile to the replaced Index. The alternative index would be used to calculate performance from the Segment Start Date to the Segment Maturity Date. In addition, we reserve the right to use any or all reasonable methods to end any outstanding Segments that use such Indices. If a similar index cannot be found, we will end the affected Segments prematurely by applying the Segment Performance Cap Rate and Segment Buffer to the actual gains or losses on the original Index as of the date of termination which could result in a loss or less gain than if the Segment had continued to the Segment Maturity Date.

•

If the value for the underlying Index of a Segment is not published by the Index on the Segment Maturity Date, we will not be able to calculate the Segment Maturity Value, and we will keep your account value in the Segment. Once the underlying Index publishes this value and we have calculated the Segment Maturity Value, we will allocate your Segment Maturity Value in accordance with your instructions. There is no way for us to predict how long it may take the underlying Index to publish the value. There is a risk that waiting for the value could result in a loss or less gain than if the Segment had ended on the original Segment Maturity Date.

•

Choice Segment Risks.

Investments in Choice Segments are subject to application of the Choice cost. As a result:

—

The Segment Rate of Return for a Choice Segment will always be less than (a) the Performance Cap Rate and (b) the Index Performance Rate, if positive, for that Segment.

—

The Segment Rate of Return for a Choice Segment may be less than the Segment Rate of Return for a Standard Segment based on the same Index, Segment Buffer and Segment Duration. This will occur if the applicable Index Performance Rate is positive but less than the sum of (a) the Performance Cap Rate for the Standard Segment and (b) the Choice cost.

—

The Segment Interim Value for a Choice Segment may be less than the Segment Interim Value for a Standard Segment based on the same Index, Segment Buffer and Segment Duration. This could occur if the performance of the applicable Index through the date of calculation of the Segment Interim Value is less than the sum of (a) the prorated Performance Cap Rate for the Standard Segment and (b) the applicable Choice cost amount. See the SAI for more information about how the Choice cost is built in to the Segment Interim Value calculation for Choice Segments.

Withdrawals and Surrenders

•

Withdrawals and surrenders may be subject to withdrawal charges, income taxes, and tax penalties.

•

Withdrawals will reduce your account value and death benefit.

•

If you take a withdrawal or surrender from a Segment prior to Segment maturity you may receive less than the amount invested and less than the amount you would receive had you held the investment until Segment maturity. See “Segment Interim Value” above.

•

If your account value falls below the applicable minimum account size as a result of a withdrawal, the contract will terminate.

•

For Series B contracts only, if you take a withdrawal or surrender your contract, any applicable withdrawal charge is calculated as a percentage of contributions, not account value. It is possible that the percentage of account value withdrawn could exceed the applicable withdrawal charge percentage. For example, assume you make a onetime contribution of $1,000 at contract issue. If your account value is $800 in contract year 3 and you surrender your contract, a withdrawal charge percentage of 5% is applied. The withdrawal charge would be $50 (5% of the $1,000 contribution). This is a 6.25% reduction of your account value, which results in a cash value of $750 paid to you.

•

We may apply fees if you access your account value during the accumulation period or surrender your contract. For example, in addition to possible tax consequences, you may incur fees for accessing your

account value such as a withdrawal charge, transfer fee, third party transfer or exchange fee and/or a charge for any optional benefits.

•

Withdrawals may be subject to income taxes and tax penalties. The minimum partial withdrawal amount is $300. Withdrawals will reduce your account value and optional benefit bases and the amount of the reduction may be greater than the dollar amount of the withdrawal. Excess Withdrawals may terminate or significantly reduce the value of your optional benefits. Certain withdrawals may also terminate your contract. Once you take a withdrawal, you cannot make additional contributions to the contract.

•

Series ADV Contracts.

Series ADV contracts are only available through advisors who charge an advisory

fee

for their

services, and this fee is in addition to contract fees and expenses. If you elect to pay the advisory fee from your account value (by taking withdrawals), then these deductions will reduce the account value and could reduce the death benefit, will not receive index interest, and could reduce the Segment Investment by more than the amount of the deductions, and, over time, could result in a significant loss of principal and previously credited interest. NOTE:

Withdrawals to pay advisory fees also will be subject to federal and state income taxes and a 10% federal penalty tax. You should consider using a source other than the account value under the contract to pay advisory fees, if possible, to avoid these potential consequences.

Contract Changes Risk

•

We reserve the right to stop accepting any application or contribution from you at any time, including after you purchase the contract. We reserve the right to discontinue the acceptance of, and/or place additional limitations on, contributions into certain investment options, including any of the Segments of the SIO. If we exercise this right, your ability to invest in your contract, increase your account value and, consequently, increase your death benefit, will be limited.

•

We reserve the right to offer any or all Segments more or less frequently or to stop offering any of them (except we will always offer a Segment Option with a Segment Buffer that protects the first 10% of loss) or to

suspend offering any or all of them temporarily for some or all contracts. If we stop offering these options, you will be limited to investing in only one Segment Option and the EQ/Money Market variable investment option, which is not tied to the performance of an index.

•

Insurance Company Risk

No company other than us has any legal responsibility to pay amounts that we owe under the contract including amounts allocated to the structured investment option. The general obligations and any guaranteed benefits 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.

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, whether NQ, traditional IRA, Roth IRA or QP. The tax considerations discussed in this Prospectus are general in nature and describe only federal income tax law (not state, local, foreign or other federal tax laws). 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.

Withdrawals are generally subject to income tax and may be subject to tax penalties if taken before 59

⁄

Not a Short-Term Investment

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.

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, 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 broker-dealer, 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. Cyber attacks 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 cyber attacks may be higher during periods of geopolitical turmoil. Due to the increasing sophistication of cyber attacks, 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.

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.

Index-Linked Option Market Risk [Line Items]

Index-Linked Option Risk, Maximum Loss Resulting from Negative Index Performance [Percent]

90.00%

Index-Linked Option Risk, Lowest Maximum Loss Resulting from Negative Index Performance [Percent]

70.00%

Index-Linked Option Risk, Minimum Limit on Index Losses [Percent]

10.00%

Index-Linked Option Risk, No Guaranteed Limit on Index Losses May Lose Entire Investment [Text Block]

Early Withdrawal Risk [Line Items]

Risk, Maximum Loss Resulting from Negative Contract Adjustment [Percent]

100.00%

Index-Linked Option Risk [Line Items]

Index-Linked Option Risk, Investor Not Invested in Index or Tracked Securities [Text Block]

An investor is not invested in the Index or in the securities tracked by the Index.

Index-Linked Option Risk, Limits Positive Returns [Text Block]

Index-Linked Option Risk, Investor Could Lose Money Despite Limits on Negative Returns [Text Block]

You could lose as much as 70% (for Segments with a

-30%

Segment Buffer) to 90% (for Segments with a

-10%

Segment Buffer) of your principal and previously credited interest due to negative index performance on the Segment Maturity Date.

Index-Linked Option Risk, Interest Crediting [Text Block]

Index-Linked Option Risk, Index Risk [Text Block]

The Segments track the performance of an Index. By investing in the SIO, you are not actually invested in an Index or any underlying securities tracked by the Index. However, the Segments are indirectly exposed to theinvestment risks associated with the Indices they track. Because the Indices are composed of other securities, they are subject to market risk and issuer risk.

Item 6. Description of Insurance Company, Registered Separate Account, and Investment Options [Line Items]

Exemption for Issuers of Securities Subject to Insurance Regulation [Flag]

true

Index-Linked Option Details [Line Items]

Index-Linked Option Details, Description [Text Block]

Structured Investment Option

The SIO provides you with the opportunity to earn interest, which may be positive or negative, that we will credit based, in part, on the performance of a specified securities Index or exchanged-traded fund from the Segment Start Date to the Segment Maturity Date. Please be aware that the possibility of a negative return could result in a significant loss of principal and previously credited interest if the Index declines in value. You generally have the opportunity to invest in any of the Segment Types currently offered, subject to the requirements, limitations and procedures disclosed in this section. You participate in the performance of an Index by investing in the corresponding Segment. Investments in Segments are not investments in the Indices themselves or in any underlying mutual funds; Segments are not “index funds.”

Segment Types

Information regarding the features of each of the currently available Segment Types, including the Index name and type, the Segment Duration, the Segment Rate of Return calculation method, the current Segment Buffer, and the minimum Performance Cap Rate for the life of the Segment Type, is available in an appendix to the Prospectus. See Appendix “Investment Options available under the contract.” We may not always offer every Segment Type on every Segment Start Date. There may also be very unusual circumstances where we are not able to offer any Segment Type on a particular Segment Start Date. Each investment in a Segment Type that starts on a particular Segment Start Date is referred to as a Segment. Each Segment Type has a corresponding Segment Type Holding Account.

We reserve the right to offer any or all Segment Types more or less frequently or to stop offering any or all of them or to suspend offering any or all of them temporarily for some or all contracts. Please see “Suspension, termination and changes to Segment Types” later in this section. All Segment Types may not be available in all states. We may also add Segment Types in the future.

The maximum current number of active Segments, funded holding accounts, and/or Segments Types with an allocation on file that may be active in your contract at any time is 134.

Segment Start Date

Each Segment will have a Segment Start Date, which is generally the second Segment Business Day occurring after the 13

of the month. However, the Segment Start Date may sometimes be a later date under certain circumstances. Please see “Setting the Segment Maturity Date and Segment Start Date” below.

Segment Type Holding Accounts

Any contribution or transfer designated for a Segment Type will be allocated to the corresponding Segment Type Holding Account until the Segment Start Date. The Segment Type Holding Accounts are part of the EQ/Money Market variable investment option. The Segment Type Holding Accounts have the same rate of return as the EQ/Money Market variable investment option. You must transfer or contribute to the Segment Type Holding Account for the corresponding Segment Type if you want to invest in a Segment; you cannot transfer or contribute directly to a Segment.

You can transfer amounts from a Segment Type Holding Account into any of the variable investment options, or another Segment Type Holding Account at any time up to the close of business on the last business day before the Segment Start Date.

Segment Participation Requirements

Provided that all participation requirements are met, all amounts allocated to a Segment Type that are in the associated Segment Type Holding Account as of the close of business on the business day preceding the Segment Start Date, plus any earnings on those amounts, will be transferred into the new Segment on the Segment Start Date. However, amounts transferred into the Segment Type Holding Account on the Segment Start Date itself will not be included in any new Segment created that day. These amounts will remain in the Segment Type Holding Account until they are transferred out or the next Segment Start Date on which the participation requirements are met for the amounts to be transferred into a new Segment.

The participation requirements are as follows: (1) Segment is available; (2) Segment Maturity Date Requirement is met; and (3) Performance Cap Threshold is met. If these requirements are met, your account value in the Segment Type Holding Account will be transferred into a new Segment. This amount is your initial Segment Investment. Once your account value has been swept from a Segment Type Holding Account into a Segment, transfers into or out of that Segment before its Segment Maturity Date are not permitted.

(1) Segment is available.

The Segment must actually be created on the Segment Start Date as scheduled. We may suspend or terminate any Segment Type, at our sole discretion, at any time. If we terminate a Segment Type, no new Segments of that Segment Type will be created, and the amount that would have been transferred to the Segment

will be transferred to the EQ/Money Market variable investment option instead. If we suspend a Segment Type, no new Segments of that Segment Type will be created until the suspension ends, and the amount that would have been transferred to the Segment will remain in the Segment Type Holding Account.

(2) Segment Maturity Date Requirement is met.

The Segment Maturity Date must occur on or before the contract maturity date. If the Segment Maturity Date is after the contract maturity date, your account value in the Segment Type Holding Account will be transferred to the EQ/Money Market variable investment option.

(3) Performance Cap Threshold is met.

When you allocate a contribution or transfer account value to a Segment Type, you may also specify a Performance Cap Threshold. The Performance Cap Threshold represents the minimum Performance Cap Rate you find acceptable for a particular Segment. As long as it remains in effect, the Performance Cap Threshold will prevent your value in the Segment Type Holding Account from being transferred into the corresponding Segment unless the Performance Cap Threshold is equal to or exceeded by the Performance Cap Rate we declare on the Segment Start Date, assuming the other participation requirements are also met. Performance Cap Thresholds are expressed as whole percentage rates.

For example, for a given Segment Type, you may specify a Performance Cap Threshold of 10%. If we set a Performance Cap Rate of 10% or higher for the next available Segment of that Segment Type, then we will transfer your account value in the applicable Segment Type Holding Account to the new Segment on the Segment Start Date, provided all other participation requirements are met. However, if we set the Performance Cap Rate at 9.9% for that Segment, your account value will not be transferred to the new Segment.

A Performance Cap Threshold applies to a single Segment Type only. If you have allocated amounts to multiple Segment Types in a particular month, you may specify a different Performance Cap Threshold for each Segment Type. Performance Cap Thresholds will not apply to uncapped Segments. This means that if you allocate amounts to a Segment Type Holding Account and we subsequently open an associated Segment without specifying a Performance Cap Rate, those amounts will automatically be transferred to that Segment on the Segment Start Date.

The Performance Cap Threshold operates in the same manner for Standard Segments and Choice Segments. When determining whether the Performance Cap Threshold for a Choice Segment has been satisfied, we do not take into account the Choice cost associated with that Segment. For example, assume you allocate account value to a

3-year

Choice Segment with a 3% Choice cost, and you set a Performance Cap Threshold of 38%. If we set a Performance Cap Rate of 40% for that Segment, your Performance Cap Threshold will be satisfied and your account value will be transferred into the Segment, even though the maximum Segment Rate of Return you can earn will be 37%.

You are not required to specify a Performance Cap Threshold, but doing so provides you with additional flexibility in managing your contract. The Performance Cap Threshold is an option for owners who want to invest in a particular Segment Type only if we set a Performance Cap Rate at a certain level or higher. If we declare a Performance Cap Rate that is lower than the Performance Cap Threshold you specify, you will not be invested in that Segment and your contribution will remain in that Segment Type Holding Account until the Performance Cap Threshold is no longer in effect or you provide us with alternative instructions.

We do not require that you specify a Performance Cap Threshold because some owners may wish to invest in a Segment regardless of the particular Performance Cap Rate. If you do not specify a threshold, you risk the possibility that the Performance Cap Rate established will have a lower cap on returns than you would otherwise find acceptable. You may wish to discuss with your financial professional whether to specify a Performance Cap Threshold and, if so, at what percentage.

If you do not specify a Performance Cap Threshold, or your Performance Cap Threshold expires, then we will transfer your account value from the Segment Type Holding Account into a Segment if the other participation requirements are met, regardless of the Performance Cap Rate that we set.

In order for a new Performance Cap Threshold to be effective for a forthcoming Segment, you must set it at least one day prior to the Segment Start Date. Similarly, while you can change an existing Performance Cap Threshold at any time, the revised Performance Cap Threshold will only apply to a Segment if you make the change at least one day prior to the Segment Start Date. This means that if you set a new or change an existing Performance Cap Threshold on a Segment Start Date, that new or revised Performance Cap Threshold will not affect the participation requirements for any Segment created that day. For example if you have a Performance Cap Threshold on file of 12%, but change it to 15% on a Segment Start Date, any amounts in that Segment Type Holding Account will be transferred into a new Segment of that Segment Type that we create that day with a Performance Cap Rate of 13%, if the other participation requirements are met.

Performance Cap Threshold duration

If you specify a Performance Cap Threshold, the time period for which it will remain in effect depends on when your Structured Capital Strategies

contract was issued:

•

For contracts issued on or after August 25, 2014: A Performance Cap Threshold will be in effect until the day after the third scheduled Segment Start Date following your Performance Cap Threshold election (the “PCT Expiry Date”). This means that if the declared Performance Cap Rate for a Segment has not matched or exceeded your Performance Cap Threshold on any of the three scheduled Segment Start Dates following your election, any amounts in the applicable Segment Type Holding Account (including any funds transferred to that holding account after your election) on the business day immediately preceding the fourth scheduled Segment Start Date after your election will be transferred into the Segment created on that Segment Start Date, unless you specify a new Performance Cap Threshold prior to that date. You must set a new Performance Cap Threshold prior to the fourth scheduled Segment Start Date after your initial Performance Cap Threshold setting to avoid having amounts automatically transferred into the associated Segment, which may have a Performance Cap Rate that does not meet your investment objectives.

Example 1:

Assume you set a Performance Cap Threshold of 25% for the S&P 500 Price Return Index/5

year/-20%

Standard Segment Type on March 1 and allocate $20,000 to the holding account for that Segment Type. If on the next three Segment Start Dates of March 15, April 15 and May 15 we declare Performance Cap Rates of 22%, 24% and 24% respectively for the Segments opened on those dates, your $20,000 allocation will not be transferred to any of those Segments. Your Performance Cap Threshold will then expire on May 16. If you don’t set a new Performance Cap Threshold before the following Segment Start Date of June 15, your $20,000 allocation will be transferred to that Segment regardless of whether the Performance Cap Rate we declare is higher, equal to or lower than 25%.

Example 2:

Assume you set a Performance Cap Threshold of 25% for the S&P 500 Price Return Index/5

year/-20%

Standard Segment Type on March 1 and allocate $20,000 to the holding account for that Segment Type. If on the next Segment Start Date of March 15, we declare a Performance Cap Rate of 28% for the Segment, your $20,000 allocation will be transferred to that Segment. Assume you then allocate another $10,000 to the

holding account for that Segment Type on March 20. Your existing Performance Cap Threshold of 25% remains in effect and will not expire until May 16. If on the next Segment Start Date of April 15 we declare a Performance Cap Rate of 22% for the Segment, your $10,000 allocation will not be transferred to that Segment.

In all cases, if you complete a new Performance Cap Threshold election, it will override any existing Performance Cap Threshold then in effect. Transferring funds from a Segment Type Holding Account to one of the variable investment options will not terminate a Performance Cap Threshold you may have set for the Segment Type associated with that Segment Type Holding Account.

You can renew a Performance Cap Threshold by completing the appropriate form or using Equitable Client portal. If you do not renew a Performance Cap Threshold for a Segment Type, your account value in the associated Segment Type Holding Account will be transferred into a Segment on the next Segment Start Date if the other participation requirements are met, even if the Performance Cap Rate that we set does not meet your investment objectives.

You will receive confirmation of any Performance Cap Threshold you set that indicates the date on which the Performance Cap Threshold expires. You can also monitor your Performance Cap Thresholds, including their expiry dates, using Equitable Client portal. We do not provide you with specific advance notice of the expiry of a Performance Cap Threshold.

If you elect to invest in the Dollar Cap Averaging Program or, at issue, elect to invest using

Pre-Packaged

Segment Selection, you may not specify a Performance Cap Threshold and any Performance Cap Threshold previously established will no longer be valid. By making these elections, you agree that your investment will be transferred into your selected Segments at any declared Performance Cap Rate, which could include Segments with Performance Cap Rates that do not meet your investment objectives.

Segment Duration

We currently offer Segment Types with a duration of 1, 3 or 5 years. Amounts removed from a Segment prior to the Segment Maturity Date (i) will not receive the full potential of the Performance Cap since the participation in upside performance for early withdrawals is

pro-rated

based on the period those amounts were invested in a Segment; (ii) will not receive the full protection of the Segment Buffer because the Segment Interim Value only reflects a portion of the downside protection expected to be provided on the Segment Maturity Date; and (iii) could reduce the Segment Investment (which we use to calculate the Segment Maturity Value on the Segment Maturity Date as described in “Segment Maturity Value”) by more than the amount withdrawn due to the Segment Interim Value.

Amounts must remain in the Segment for the full Segment Duration to

be credited with full interest, to receive the full protection of the Segment Buffer, and to avoid a possible

negative Segment Interim Value adjustment in addition

to potential withdrawal charges, taxes and tax penalties.

See “Segment Interim Value” below and “Adjustments with respect to early distributions from Segments” in “Charges, Expenses, and Adjustments” for more information.

Before selecting a Segment for investment, you should consider whether you are likely to make a withdrawal from the Segment or surrender or annuitize your contract prior to the end of the 1, 3 or 5 year Segment Duration. You should also consider whether you want your returns to be linked to the applicable Index for the Segment Duration and whether the Segment Buffer and Performance Cap Rate are consistent with your investment goals and risk tolerance for the 1, 3 or 5 year period.

Segment Maturity Date

Your Segment Maturity Date is generally the first Segment Business Day occurring after the 13th day of the same month as the Segment Start Date in the calendar year in which the Segment Duration ends. However, the Segment Maturity Date in a particular month may be a later date under certain circumstances. Please see “Setting the Segment Maturity Date and Segment Start Date”.

You will receive advance notice of maturing Segments in which you are currently invested in your quarterly statement. You may also elect to receive a second advance notice of maturing Segments in which you are currently invested. The additional notice service is available by mail or electronically and is provided at least 30 days before a Segment Maturity Date. There is no charge for this service. We reserve the right to discontinue this service at any time. Please speak with your financial professional or call us for additional information about electing this service.

Setting the Segment Maturity Date and Segment Start Date

There will be a Segment Maturity Date and Segment Start Date each month that the contract is outstanding. The Segment Maturity Date for Segments maturing in a given month and the Segment Start Date for new Segments starting in that same month will always be scheduled to occur on the first two consecutive business days that are also Segment business days occurring after the 13th of a month.

Please see Appendix “Segment Maturity Date and Segment Start Date examples” for a demonstration of the effects that weekends and scheduled holidays can have on the Segment Maturity Date and the Segment Start Date.

Segment Maturity Instructions.

You may specify maturity instructions that tell us how to allocate the Segment Maturity Value among the investment options and you can change these instructions at any time. You may tell us either to follow your allocation instructions on file for new contributions, to withdraw all or part of your Segment Maturity Value, or to transfer your Segment Maturity Value to the next available Segment of the same Segment Type, provided the participation requirements are met. While you may specify or change your maturity instructions for maturing Segments at any time until the close of business on the Segment Maturity

Date, we recommend submitting new or revised instructions at least five business days prior to the Segment Maturity Date.

As stated above, you may elect to have maturing Segments invested according to your allocation instructions on file, and those instructions may include allocations to different Segment Types, or you may elect to transfer your Segment Maturity Value to the next available Segment of the same Segment Type in which you are currently invested. If you take either of these steps, then the designated portion of your Segment Maturity Value will be transferred to the corresponding Segment Type Holding Account, as of the close of business on the Segment Maturity Date. Assuming that all participation requirements are met, the designated amounts will be treated like any other amounts in a Segment Type Holding Account. On the next Segment Start Date, the designated amounts in the Segment Type Holding Account will be transferred into the corresponding Segment. Typically, this means the designated amounts would be held in a Segment Type Holding Account for one business day.

If you have not provided us with maturity instructions for a maturing Segment, then by default the Segment Maturity Value will be transferred to the Segment Type Holding Account for the same Segment Type as the maturing Segment, unless you chose the

Pre-Packaged

Segments (in which case the Segment Maturity Value will be invested according to your allocation instructions on file). Your Segment Maturity Value would then be transferred from that Segment Type Holding Account into the next Segment of that Segment Type on the Segment Start Date except that:

•

if the next Segment to be created in the Segment Type would not meet the Segment Maturity Date Requirement or that Segment Type has been terminated, we will instead transfer your Segment Maturity Value to the EQ/Money

•

Market variable investment option; and

•

if you designate a Performance Cap Threshold that is not met on the next Segment Start Date or if the Segment Type has been suspended, your Segment Maturity Value will remain in the Segment Type Holding Account.

If you are impacted by these delays, you may transfer your Segment Maturity Value into another Segment Type Holding Account or any other variable investment option at any time before the next month’s Segment Start Date.

Segment Maturity Value

On the Segment Maturity Date, we calculate your Segment Maturity Value using your Segment Investment and the Segment Rate of Return. See “Segment Rate of Return,” “Performance Cap Rate,” and “Segment Buffer” below for more information.

Your Segment Maturity Value for all Segments is calculated as follows:

We multiply your Segment Investment by your Segment Rate of Return to get your Segment Return Amount. Your Segment Maturity Value is equal to your Segment Investment plus your Segment Return Amount. Your Segment

Return Amount may be negative, in which case your Segment Maturity Value will be less than your Segment Investment.

The values used in the calculation are based on the value of the Index on the Segment Start Date and they are compared to the values on the Segment Maturity Date. Any fluctuations in the value of the Index between the Segment Start Date and Segment Maturity Date or between the Segment Start Date is ignored in calculating the Segment Rate of Return. See Appendix “Segment Maturity Value Calculation Examples” for examples calculating the Segment Rate of Return, Segment Return Amount and Segment Maturity Value.

Segment Interim Value

The total amount earned on an investment in a Segment of the SIO is only applied at Segment maturity. If any amount leaves a Segment on any date prior to the Segment Maturity Date, we calculate the Segment Interim Value of the Segment as described in “Charges, Expenses, and Adjustments.” Prior to the Segment Maturity Date, the following transactions trigger the Segment Interim Value calculation: (1) the receipt of an in good order death claim by your beneficiary; (2) a withdrawal (including an automatic or systematic withdrawal, a required minimum distribution, a withdrawal to pay advisory fees under a Series ADV contract and a free withdrawal under a Series B contract); (3) if you surrender or annuitize your contract; or (4) if you cancel your contract and return it to us for a refund within your state’s “free look” period.

If you make one of these transactions, the Segment Interim Value could ultimately result in a significant loss of principal and previously credited interest.

Segment Rate of Return

The Segment Rate of Return is calculated using the Segment Buffer or Performance Cap Rate as described below for each Segment Type. See Appendix: “Segment Maturity Value Calculation Examples” for numerical examples of each calculation method.

Standard Segments.

For Standard Segments, the Segment Rate of Return is equal to the Index Performance Rate (the percentage change in the value of the related Index from the Segment Start Date to the Segment Maturity Date), subject to the Performance Cap Rate and Segment Buffer, as follows:


If the Index Performance Rate:		Your Segment Rate of Return will be:
exceeds the Performance Cap Rate		positive, equal to the Performance Cap Rate
is positive but less than or equal to the Performance Cap Rate		positive, equal to the Index Performance Rate
is flat or negative by a percentage equal to or less than the Segment Buffer		equal to 0%
is negative by a percentage greater than the Segment Buffer		negative, equal to the extent of the percentage exceeding the Segment Buffer

Please see Appendix “Investment Options available under the contract” for a list of the current Standard Segment Types.

Standard Segment example

: For the S&P 500 Price Return Index/5 year/-20% Segment Type, a Segment could be established as S&P 500 Price Return Index/5 year/-20% with a 30% Performance Cap Rate declared on the Segment Start Date. This means that you will participate in the performance of the S&P 500 Price Return Index for five years starting from the Segment Start Date. The following examples assume no withdrawals. If the Index performs positively during this period, your Segment Rate of Return could be as much as 30% for that Segment Duration. If the Index performs negatively during this period, at maturity you will be protected from the first 20% of the Index’s decline. If the Index performance is between -20% and 0%, your Segment Return Amount on the Segment Maturity Date will equal your Segment Investment. See Appendix “Segment Maturity Value Calculation Examples” for examples showing the Segment Maturity Value calculation.

Choice Segments.

For Choice Segments, the Segment Rate of Return is equal to the Index Performance Rate (the percentage change in the value of the related Index from the Segment Start Date to the Segment Maturity Date), subject to the Performance Cap Rate, Segment Buffer and application of the Choice cost, as follows:


If the Index Performance Rate:		Your Segment Rate of Return will be:
exceeds the Performance Cap Rate		positive, equal to the Performance Cap Rate less the Choice cost
is positive and exceeds the Choice cost but is less than or equal to the Performance Cap Rate		positive, equal to the Index Performance Cap Rate less the Choice cost
is positive but does not exceed the Choice cost		equal to 0%
is flat or negative by a percentage equal to or less than the Segment Buffer		equal to 0%
is negative by a percentage greater than the Segment Buffer		negative, equal to the extent of the percentage exceeding the Segment Buffer

Choice Segments provide you access to higher Performance Cap Rates and potentially greater Segment Rates of Return than comparable Standard Segments. Each Choice Segment Type has an associated Choice cost.

Please see Appendix “Investment Options available under the contract” for a list of the current Choice Segment Types.

Choice Segment example

: For the Choice S&P 500 Price Return Index/5 year/-10% Segment Type, a Segment could be established as Choice S&P 500 Price Return Index/5 year/-10% with a 65% Performance Cap Rate declared on the Segment Start Date. This means that you will participate in

the performance of the S&P 500 Price Return Index for five years starting from the Segment Start Date. The following examples assume no withdrawals. If the Index performs positively during this period, your Segment Rate of Return could be as much as 60% for that Segment Duration (65% less the 5% Choice cost). If the Index performs negatively during this period, at maturity you will be protected from the first 10% of the Index’s decline. If the Index performance is between

-10%

and 0%, your Segment Return Amount on the Segment Maturity Date will equal your Segment Investment. Similarly, if the Index performance is between 0% and 5%, then, after deduction of the Choice cost, your Segment Return Amount on the Segment Maturity Date will equal your Segment Investment. See Appendix “Segment Maturity Value Calculation Examples” for examples showing the Segment Maturity Value calculation.

Please note the following:

•

Standard Segment Types with greater protection tend to have lower Performance Cap Rates than other Standard Segment Types that use the same Index and duration but provide less protection.

•

Choice Segment Types with greater protection tend to have lower Performance Cap Rates than other Choice Segment Types that use the same Index and duration but provide less protection.

•

Choice Segments are subject to deduction of the Choice cost. As a result, the Segment Rate of Return for a Choice Segment will always be less than (a) the Performance Cap Rate and (b) the Index Performance Rate, if positive, for that Segment.

•

Depending on market performance, it is possible that the Segment Rate of Return for a Standard Segment may be higher than that for a Choice Segment that uses the same Index, duration and Segment Buffer. This will occur if the Index Performance Rate applicable to these Segments does not exceed the Performance Cap Rate set for the Standard Segment by more than the Choice cost.

•

Deduction of the Choice cost on the Segment Maturity Date for a Choice Segment will never cause you to lose principal. If the Index Performance Rate for a Choice Segment is positive but less than the applicable Choice cost, the amount of the Choice cost deducted will not cause your Segment Maturity Value to be less than your Segment Investment.

•

If, on a Segment Start Date, we determine that the Performance Cap Rate for a Choice Segment will not exceed the Performance Cap Rate for a comparable Standard Segment (i.e., with the same Index, Segment Duration, Segment Buffer and Segment Start Date) by an amount that is at least equal to the Choice cost, we will waive the Choice cost and declare a Performance Cap Rate for the Choice Segment that is equal to the Performance Cap Rate for the Standard Segment.

On a Segment Maturity Date, the highest level of protection is the

-30%

Segment Buffer (for Choice Segments, the

-25%

Segment Buffer) and lowest level of protection is the

-10%

Segment Buffer.

The Indices are described in more detail below, under the heading “Indices.”

Performance Cap Rate

The Performance Cap Rate is generally the highest Index Performance Rate that can be used to calculate the Segment Rate of Return on the Segment Maturity Date. The Performance Cap Rate may limit your participation in any increases in the underlying Index associated with a Segment. For example, if the Index return is 12% and the Performance Cap Rate is 4%, we will credit 4% in interest on the Segment Maturity Date assuming there are no fees or charges assessed, meaning your Segment Investment will increase by 4%.

We will declare a Performance Cap Rate for each Segment on the Segment Start Date. Performance Cap Rates may vary by series. The Performance Cap Rate for each Segment, including each Annual Lock Segment will not change throughout the Segment Duration. The Performance Cap Rate for the same Segment may be higher or lower for Owners who elect that Segment during their first Contract Year than for Owners who are in their second or later Contract Year.

Because we declare the Performance Cap Rate for a Segment on its Segment Start Date, you will not know the Performance Cap Rate for a new Segment until after your account value has been transferred from the corresponding Segment Type Holding Account into the Segment. You may not transfer out of a Segment before the Segment Maturity Date. For this reason, we permit you to specify a Performance Cap Threshold, which we describe under “Segment Participation Requirements.” For more information regarding transfer restrictions, please see “Transferring your account value”.

Our minimum Performance Cap Rates for 1, 3, and

5-year

Segments are 2%, 6%, and 10% respectively.

We guarantee that for the life of your contract we will not open a Segment with a Performance Cap Rate below the applicable minimum rate. In some cases, we may decide not to declare a Performance Cap Rate for a Segment, in which case there is no maximum Segment Rate of Return for that Segment. When this happens, the Segment is referred to as uncapped.

Please note that the Performance Cap Rate and Segment Rate of Return are cumulative rates of return from the Segment Start Date to the Segment Maturity Date, NOT annual rates, even if the Segment Duration is longer than one year.

The Performance Cap Rate is set at our sole discretion. In determining the current Performance Cap Rate for a Segment Type, we consider, among other factors, the Segment Rate of Return calculation method, the cost of hedging instruments, the rates offered by our competitors, the rates

of other Segments, and the current market environment. In general, the Performance Cap Rates will be lower for Segment Types that offer greater protection from negative returns or additional enhancements to positive returns.

Segment Buffer

There is a risk of a substantial

loss of your principal and previously credited interest because you agree to absorb all losses to the extent they exceed the applicable Segment Buffer on the Segment Maturity Date.

For example, if the Index return is -25% and the Segment Buffer is -10%, we will credit -15% (the amount that exceeds the Segment Buffer) in interest on the Segment Maturity Date assuming there are no fees or charges assessed, meaning your Segment Investment will decrease by 15%.

The Segment Buffer for each Segment will not change throughout the Segment Duration. See Appendix: “Investment Options available under the contract” for the current Segment Buffer for each Segment Type.

We may change the index options in the future, but we will always offer a Segment

Option with a Segment Buffer that protects the first 10% of loss. In the future, we may offer other Segment Options that do not provide any downside protection which would mean there is a risk of loss of the entire amount invested.

The Segment Buffer is set at our sole discretion. In determining the current Segment Buffer for a Segment Type, we consider, among other factors, the Segment Rate of Return calculation method, the cost of hedging instruments, the range of Performance Cap Rates that may be offered with the Segment Buffer, protection levels offered by our competitors, and the current market environment. Before selecting a Segment for investment, you should consider whether the Segment Buffer is consistent with your risk tolerance and investment goals for the Segment Duration of the Segment Type.

On a Segment Maturity Date, the highest level of protection provided by a Segment Buffer is the -30% Segment Buffer and the lowest level of protection provided by a Segment Buffer is the -10% Segment Buffer.

Indices

Each Segment Type references an Index that determines the performance of its associated Segments. We currently offer Segment Types based on the performance of (1) securities indices, (2) commodities indices and (3) exchange-traded funds. Throughout this Prospectus, we refer to these indices and exchange-traded funds using the term “Index” or, collectively, “Indices.” Not all Indices may be available under your contract. Please see Appendix “State contract availability and/or variations of certain features and benefits”.

Securities Indices.

The following securities Indices are currently available:

S&P 500 Price Return Index.

The S&P 500 Price Return Index was established by Standard & Poor’s. The S&P 500 Price Return Index includes 500 leading companies in leading industries of the U.S. economy, capturing 75% coverage of U.S. equities. The S&P 500 Price Return Index does not include dividends declared by any of the companies included in this Index, which will reduce Index performance. Additional information about the Index may be found in Appendix “Index Publishers”. If you would like to request additional information about the Index, contact the customer service group or your financial professional.

Russell 2000

Price Return Index.

The Russell 2000

Price Return Index was established by Russell Investments. The Russell 2000

Price Return Index measures the performance of the

small-cap

segment of the U.S. equity universe. The Russell 2000

Price Return Index is a subset of the Russell 3000

Index representing approximately 10% of the total market capitalization of that index. It includes approximately 2,000 of the smallest securities based on a combination of their market cap and current index membership. The Russell 2000

Price Return Index does not include dividends declared by any of the companies included in this Index, which will reduce Index performance. Additional information about the Index may be found in Appendix “Index Publishers”. If you would like to request additional information about the Index, contact the customer service group or your financial professional.

MSCI EAFE Price Return Index.

The MSCI EAFE Price Return Index was established by MSCI. The MSCI EAFE Price Return Index is a free float-adjusted market capitalization index that is designed to measure the equity market performance of developed markets, excluding the US and Canada. As of the date of this Prospectus the MSCI EAFE Price Return Index consisted of the following 22 developed market country indices: Australia, Austria, Belgium, Denmark, Finland, France, Germany, Greece, Hong Kong, Ireland, Israel, Italy, Japan, the Netherlands, New Zealand, Norway, Portugal, Singapore, Spain, Sweden, Switzerland, and the United Kingdom. The MSCI EAFE Price Return Index does not include dividends declared by any of the companies included in this Index, which will reduce Index performance. Additional information about the Index may be found in Appendix “Index Publishers”. If you would like to request additional information about the Index, contact the customer service group or your financial professional.

MSCI Emerging Markets Price Return Index

. The MSCI Emerging Markets Price Return Index was established by MSCI. The MSCI Emerging Markets Price Return Index is a free float-adjusted market capitalization index that is designed to measure equity market performance of emerging markets. As of the date of this Prospectus, the MSCI Emerging Markets Price Return Index consists of the following 21 emerging market country indices: Brazil, Chile, China, Colombia, Czech Republic, Egypt, Hungary, India, Indonesia, Korea, Malaysia, Mexico, Morocco, Peru, Philip-

pines, Poland, Russia, South Africa, Taiwan, Thailand, and Turkey. The MSCI Emerging Markets Price Return Index does not include dividends declared by any of the companies included in this Index, which will reduce Index performance. Additional information about the Index may be found in Appendix “Index Publishers”. If you would like to request additional information about the Index, contact the customer service group or your financial professional.

NASDAQ-100

Price Return

Index

. The NASDAQ-100 Price Return Index (the “NASDAQ-100 Index”) includes securities of 100 of the largest domestic and international non-financial securities listed on The NASDAQ Stock Market based on market capitalization. The Index reflects companies across major industry groups including computer hardware and software, telecommunications, retail/wholesale trade and biotechnology. It does not contain securities of financial companies including investment companies. The NASDAQ-100 Price Return Index does not include dividends declared by any of the companies included in this Index, which will reduce Index performance. Additional information about the Index may be found in Appendix “Index Publishers”. If you would like to request additional information about the Index, contact the customer service group or your financial professional.

Exchange-Traded Funds

. The following exchange-traded funds are currently available:

iShares

Dow Jones U.S. Real Estate Index Fund.

The iShares

Dow Jones U.S. Real Estate Index Fund seeks investment results that correspond generally to the performance of the Dow Jones U.S. Real Estate Index, which is the underlying index. The underlying index measures the performance of the Real Estate industry of the U.S. equity market, including real estate holding and developing and real estate investment trusts (REITS) subsectors. The iShares

Dow Jones U.S. Real Estate Index Fund is an exchange-traded fund. The performance of the iShares

Dow Jones U.S. Real Estate Index Fund may not replicate the performance of, and may underperform the underlying index. The price of the iShares

Dow Jones U.S. Real Estate Index Fund will reflect expenses and fees that will reduce its relative performance. Moreover, it is also possible that the iShares

Dow Jones U.S. Real Estate Index Segment is only based on the closing share price of the Index Fund. The iShares

Dow Jones U.S. Real Estate Index Segment does not include dividends and other distributions declared by the Index Fund, which will reduce Index performance. Additional information about the Index may be found in Appendix “Index Publishers”.

If you would like to request additional information about the Index, contact the customer service group or your financial professional.

Financial Select Sector SPDR

Fund

. The Financial Select Sector SPDR

Fund seeks to closely match the returns and characteristics of the Financial Select Sector Index, which is the underlying index. The underlying index seeks to provide an effective representation of the financial sector of the S&P 500 Index, and includes companies from the following industries: banks, insurance, capital markets, diversified financial services, consumer finance, thrifts and mortgage finance, and mortgage real estate investment trusts. Because the return on your Segment Investment (subject to the Performance Cap and downside Segment Buffer protection) is linked to the performance of the Financial Select Sector SPDR

Fund Segment is only based on the closing share price of the Fund. The Financial Select Sector SPDR

Fund Segment does not include dividends and other distributions declared by the Fund, which will reduce Index performance. Additional information about the Index may be found in Appendix “Index Publishers”. If you would like to request additional information about the Index, contact the customer service group or your financial professional.

Commodities Indices

. The following Commodities Indices are currently available:

Gold Index.

The Gold Index measures the performance of the price of gold. The gold price referenced by the Gold Index is the “London Gold Market Fixing Ltd — LBMA PM Fixing Price/USD”, a benchmark price per ounce in U.S. Dollars fixed daily at 3 P.M. London Time by The London Gold

Market Fixing Ltd. (“London Gold Fixing”). Visit www.lbma.org.uk to see the current gold price set by London Gold Fixing and to access daily price data going back to 1968 (select Statistics | Historical Statistics | Gold Fixings), which will reduce Index performance. Additional information about the Index may be found in Appendix “Index Publishers”. If you would like to request additional information about the Index, contact the customer service group or your financial professional.

Oil Index

. The Oil Index measures the performance of the price of crude oil. The oil price referenced by the Oil Index is the price of the “NYMEX West Texas Intermediate Crude Oil Generic Front-Month Futures” contract (the “WTI Contract”), a benchmark contract price in U.S. Dollars for a barrel of West Texas Intermediate crude oil. The Oil Index uses the daily closing price of the WTI Contract on the New York Mercantile Exchange. Visit www.cmegroup.com/trading/energy/crude-oil/light-sweet-crude-cash-settled.html to see the current WTI Contract price and to access historical price information (click the Charts link associated with a particular contract), which will reduce Index performance. Additional information about the Index may be found in Appendix “Index Publishers”. If you would like to request additional information about the Index, contact the customer service group or your financial professional.

The bar charts shown below provide each Index’s annual returns for the last 10 calendar years (or for the life of the Index if less than 10 years), as well as the Index returns after applying a hypothetical 5% Performance Cap Rate and a hypothetical -10% Segment Buffer. The chart illustrates the variability of the returns from year to year and shows how hypothetical limits on Index gains and losses may affect these returns. Past performance is not necessarily an indication of future performance.

The performance below is NOT the performance of any Segment of the SIO. Your performance under the contract will differ, perhaps significantly. The performance below may reflect a different return calculation, time period, and limit on Index gains and losses than the Segments of the SIO, and does not reflect contract fees and charges, including withdrawal charges and negative Segment Interim Value adjustments, which reduce performance.

The performance does not reflect any advisory fees paid to a financial intermediary from contract or other assets of the owner and if such charges were reflected such performance would be lower.

The Index is a “price return” index, not a “total return” index, and therefore the performance of the Index does not reflect dividends declared by any of the companies included in the Index, reducing the Index return. As a result, the Index will underperform a direct investment in the securities composing the Index.

Effect of an emergency close.

Segments are scheduled to mature and start on Segment Business Days. The Segment Maturity Date for Segments maturing in a given month and the Segment Start Date for new Segments starting in that same month will always occur on the first two consecutive business days that are also Segment Business Days occurring after the 13th of the month. It is possible that an Index could experience an emergency close on a Segment Business Date, thereby affecting the Index’s ability to publish a price and our ability to mature or start Segments based on the affected Index. Emergency closes can have two consequences.

1.	If the NYSE experiences an emergency close and cannot publish any prices, we will delay the maturity or start of all Segments for all Indices.

2.	If any Index other than the NYSE experiences an emergency close, we will delay the maturity and start of the Segments using the affected Index and mature or start Segments for all unaffected Indices.

The emergency closure of an

Index other than the NYSE

can have a different effect if it occurs on a Segment Maturity Date rather than a Segment Start Date.

•

If an emergency close occurs on a scheduled Segment Maturity Date,

then the Segment Maturity Date for that Segment will be delayed until the next Segment Business Day. The next Segment Business Day would be the Segment Start Date. If the emergency close only lasted that one day, the Segment Start Date and the Segment Maturity Date for the affected Segment would occur on the same day.

—

For example, assume Monday the 14th is the scheduled Segment Maturity Date in a given month. If the NYMEX does not open due to an emergency con-

dition, there would be no reference price that day for the Oil Index. If the NYSE opened on the 14th, the S&P 500 Price Return Index and Russell 2000

Price Return Index would be published. In this case, the Segment Maturity Date for any Segments based on the S&P 500 Price Return Index or Russell 2000

Price Return Index would be Monday the 14th. Any Segment based on the Oil Index that was scheduled to mature on the 14th of that month could not mature, because we would not have a price with which to calculate the Segment Maturity Value. This would mean the Segment Maturity Date for Segments that utilize the S&P 500 Price Return Index or Russell 2000

Price Return Index would be Monday the 14th, and if the NYMEX opens on the Tuesday the 15th the Segment Maturity Date for Segments that utilize the Oil Index would be Tuesday the 15th. However, the Segment Start Date for all new Segments created that month (including both those that utilize the S&P 500 Price Return Index or Russell 2000

Price Return Index and those that utilize the Oil Index) would be Tuesday the 15th.

•

If an emergency close occurs on an Index other than the NYSE on a scheduled Segment Start Date,

then we would not create Segments that utilize the affected Index. However, on that day we would create Segments that utilize unaffected Indices. Consequently, Segment Maturity Values designated for Segment Types that utilize an affected Index would not be allocated to Segments that month and would remain in the corresponding Segment Type Holding Account.

—

For example, assume that only the Oil Index could not mature on the 14th or the 15th. This would mean that the Segment Maturity Date for Segments that utilize the S&P 500 Price Return Index or the

Russell 2000

Price Return Index would be Monday the 14th and the Segment Start Date for those indices would be Tuesday the 15th. However, Segments that utilize the Oil Index would be matured at the next available price after the 15th and, consequently, could not participate in Segments established for that month. The resulting Segment Maturity Values would remain in the corresponding Segment Type Holding Account until the following month or until further instruction was provided from the contract owner.

If the conditions that cause an emergency close persist, we will use reasonable efforts to calculate the Segment Maturity Value of any affected Segments. If the affected Index cannot be priced within eight days, we will contact a calculating agency, normally a bank we have a contractual relationship with, which will determine a price to reflect a reasonable estimate of the Index level.

Suspension, Termination and Changes to Segment Types and Indices

We may decide at any time until the close of business on each Segment Start Date whether to offer any or all of the Segment Types described in this Prospectus on a Segment Start Date for a particular Segment. We may suspend a Segment Type for a month or a period of several months, or we may terminate a Segment Type entirely.

If a Segment Type is suspended, your account value will remain in the Segment Type Holding Account until a Segment of that Segment Type is offered or you transfer out of the Segment Type Holding Account. We will provide you with written confirmation when money is not transferred from a Segment Type Holding Account into a segment due to the suspension of a Segment Type.

If a Segment Type is terminated, your account value in the corresponding Segment Type Holding Account will be defaulted into the EQ/Money Market variable investment option on the date that would have been the Segment Start Date.

We have the right to substitute an alternative index prior to Segment maturity if the publication of one or more Indices is discontinued, or if we no longer have a license agreement with the publishers of the Index, or at our sole discretion we determine that our use of such Indices should be discontinued because hedging instruments become difficult to acquire or the cost of hedging becomes excessive, or if the calculation of one or more of the Indices is substantially changed. We would attempt to choose a substitute index that has a similar investment objective and risk profile to the replaced index. For example, if the Russell 2000

Index were not available, we might use the NASDAQ Composite Index.

We also have the right to add additional Indices under the contract at any time. We would provide notice about the use of additional Indices before they are available for use with a Segment or alternative Indices, as soon as practicable, after the Index is no longer being used. If an alternative index is

used, its performance could impact the Index Performance Rate, Segment Rate of Return, Segment Maturity Value and Segment Interim Value because it would be used to calculate performance from the Segment Start Date to the Segment Maturity Date. An alternative index would not change the Segment Buffer or Performance Cap Rate for an existing Segment.

In addition, we reserve the right to use any or all reasonable methods to end any outstanding Segments that use such Indices. If a similar index cannot be found, we will end the affected Segments prematurely by applying the Segment Performance Cap Rate and Segment Buffer to the actual gains or losses on the original Index as of the date of termination.

We reserve the right to offer any or all Segment Types less frequently than monthly or to stop offering any or all of them or to suspend offering any or all of them temporarily. If we stop offering or suspend certain Segment Types, each existing Segment of those Segment Types will remain invested until its respective Segment Maturity Date.

Pre-Packaged Segment Selection

Pre-Packaged Segment Selections (“packages”) are only available at contract issue. You may select only one package and you must allocate 100% of your initial contribution to that package. Each package consists of several Segment Types, to which specified percentages of your contribution will be allocated. If you elect to invest in one of these packages, we will invest your initial contribution among the Segment Types within the package according to the specified allocation percentages.

You may not specify a Performance Cap Threshold if you select a package. This means you will invest in the Segments based on the Performance Cap Rate declared on the Segment Start Date, which could include Segments with Performance Cap Rates that do not meet your investment objectives.

Your account value in a package will not be rebalanced during the Segment Duration. We will only rebalance your investment to account for varying performance among the Segments in the package on the Segment Maturity Date, when your Segment Maturity Value will be reallocated according to the original allocation percentages of your package.

If you make a subsequent contribution to your contract, that contribution will be invested according to the allocation percentages of your package. If you submit new allocation instructions after contract issue, but before the Segment Start Date for the package, these instructions will replace your existing instructions and will terminate your package. Similarly, if you submit new allocation instructions after the Segment Start Date for a package, these instructions will replace your existing instructions and will terminate your package on the Segment Maturity Date. In either case, you will not be able to select a new package. However, you can always submit new instructions that

replicate the allocation percentages under an existing package. At issue, you may also elect to invest in a package through the Dollar Cap Averaging Program.

If you are interested in the Pre-Packaged Segment Selection feature, you should work with your financial professional to select the package that is appropriate for you, in light of your investment time horizon, investment goals and expectations and market risk tolerance, and other relevant factors. In providing these packages, we are not providing investment advice. You are responsible for determining which package is best for you. Investing by means of Pre-Packaged Segment Selection does not ensure a profit or protect against a loss. The composition of the packages we offer may vary over time. The composition of the package you select will not change unless a Segment Type is terminated or you terminate your package by amending your allocation instructions. If one of the Segment Types is terminated or discontinued, the value in the terminated Segment Type Holding Account will be moved to the EQ/Money Market variable investment option and your package will continue. If a Segment Type is suspended, any amount in the Segment Type Holding Account will remain there until the next Segment Start Date on which the Segment is not suspended. We reserve the right to discontinue offering new or current packages.

Please see Appendix “Investment Options available under the contract” for a list of the current Pre-Packaged Segments.

If you elect to invest using one of our Pre-Packaged Segment Selection options at issue, each Segment Type represents a 1 year Segment Duration and a 10% Segment Buffer.

Index-Linked Option Details, Options Currently Offered [Line Items]

Index-Linked Option Details, Credits are Based in Part on Index Performance [Text Block]

Index-Linked Option Details, Investor Not Invested in Index or Securities [Text Block]

Investments in Segments are not investments in the Indices themselves or in any underlying mutual funds; Segments are not “index funds.”

Index-Linked Option Details, Limits on Index Losses [Line Items]

Index-Linked Option Details, Limits the Negative Return [Text Block]

The SIO provides some protection against negative returns on the Segment Maturity Date through the use of a Segment Buffer.

Index-Linked Option Details, Limits the Negative Return Manner [Text Block]

The extent of the downside protection provided by the Segment Buffer varies by Segment, ranging from the first 10% to 30% of loss.

There is a risk of a substantial

loss of your principal and previously credited interest because you agree to absorb all losses to the extent they exceed the applicable Segment Buffer on the Segment Maturity Date.

Index-Linked Option Details, Example of Limiting the Negative Return [Text Block]

Index-Linked Option Details, Limit on Index Losses Will Not Change During Crediting Period [Text Block]

The Segment Buffer for each Segment will not change throughout the Segment Duration.

Index-Linked Option Details, Limiting Index Losses is not Guaranteed to be Offered [Text Block]

In the future, we may offer other Segment Options that do not provide any downside protection which would mean there is a risk of loss of the entire amount invested.

Index-Linked Option Details, Limits on Index Losses, Factors Considered [Text Block]

Index-Linked Option Details, Limits on Index Losses, Investor Considerations [Text Block]

Before selecting a Segment for investment, you should consider whether the Segment Buffer is consistent with your risk tolerance and investment goals for the Segment Duration of the Segment Type.

Index-Linked Option Details, Limits on Index Gains [Line Items]

Index-Linked Option Details, Limits Positive Return [Text Block]

The Performance Cap Rate may limit your participation in any increases in the underlying Index associated with a Segment

Index-Linked Option Details, Example of Limiting the Positive Return [Text Block]

Index-Linked Option Details, Limits on Index Gains, Factors Considered [Text Block]

In determining the current Performance Cap Rate for a Segment Type, we consider, among other factors, the Segment Rate of Return calculation method, the cost of hedging instruments, the rates offered by our competitors, the rates

Index-Linked Option Details, Crediting Period [Line Items]

Index-Linked Option Details, Crediting Periods Investor Considerations [Text Block]

(1) Segment is available.

(2) Segment Maturity Date Requirement is met.

(3) Performance Cap Threshold is met.

Index-Linked Option Details, Amounts Must Remain Until End of Crediting Period [Text Block]

Index-Linked Option Details, Crediting Methodology [Line Items]

Index-Linked Option Details, Bar Chart Legend [Text Block]

The performance does not reflect any advisory fees paid to a financial intermediary from contract or other assets of the owner and if such charges were reflected such performance would be lower.

Index-Linked Option Details, Indexes [Line Items]

Index-Linked Option Details, Index Investment Types [Text Block]

Segment Types

Item 7. Charges and Adjustments [Line Items]

Contract Adjustment [Table Text Block]

Charges, Expenses, and Adjustments

Charges that the Company deducts

We deduct the following charge each day from the net assets of each variable investment option and Segment Type Holding Account. This charge is reflected in the unit values of each variable investment option:

•

A base contract fee.

We deduct the following charge from the performance of your investment (if positive) in a Choice Segment:

•

The Choice cost.

We deduct the following charges from your account value. When we deduct these charges from your variable investment options, we reduce the number of units credited to your contract:

•

for Series B contracts, at the time you make certain withdrawals or surrender your contract, or your contract is terminated — a withdrawal charge.

•

at the time annuity payments are to begin — charges designed to approximate certain taxes that may be imposed on us, such as premium taxes in your state. An annuity administrative fee may also apply.

•

at the time you request a transfer among the variable investment options in excess of 12 transfers in a contract year — a transfer charge (currently, there is no transfer charge).

More information about these charges appears below. We will not increase these charges for the life of your contract, except as noted. We may reduce certain charges under group or sponsored arrangements. See “Group or sponsored arrangements”.

To help with your retirement planning, we may offer other annuities with different charges, benefits and features. Please contact your financial professional for more information.

Charges under the contracts

Base Contract fee

We deduct a daily charge from the net assets in each variable investment option and Segment Type Holding Account to compensate us for administrative expenses, sales expenses and certain expense risks we assume under the contracts. Below is the daily charge shown as an annual rate of the net assets in each variable investment option:


Series B:		1.25%

Series C:		1.65%

Series ADV:		0.65%

The expense risk we assume is the risk that our expenses in providing the benefits and administering the contracts will be greater than we expect. To the extent that the expense risk

charges are not needed to cover the actual expenses incurred, they may be considered an indirect reimbursement for certain sales and promotional expenses relating to the contracts. This charge also compensates us for administrative expenses and a portion of our sales expenses, under the contract.

On a

non-guaranteed

basis, we may waive this fee under certain conditions. If the return on the EQ/Money Market variable investment option on any day is positive, but lower than the amount of this fee, then we will waive the difference between the two, so that you do not receive a negative return. If the return on the EQ/Money Market variable investment option on any day is negative, we will waive this fee entirely for that day, although your account value would be reduced by the negative performance of the EQ/Money Market variable investment option itself. We reserve the right to change or cancel this provision at any time.

This fee does not apply to amounts held in a Segment.

Choice cost

This charge is applicable to investments in Choice Segments only. The Choice cost is an amount equal to 1% of the Segment Investment for each year of the Segment Duration. On the Segment Maturity Date, we deduct the Choice cost from the Index Performance Rate of a Choice Segment, but only if the Index Performance Rate is positive for that Segment. Additionally, if the Index Performance Rate is positive for a Choice Segment but less than the applicable Choice cost, the amount of the Choice cost deducted will be the maximum amount that will not cause the Segment Maturity Value to be less than the Segment Investment. The Segment Interim Value for a Choice Segment will reflect application of a portion of the Choice cost, as described in more detail in the SAI.

Fee-based

expenses

(Applicable to Series ADV contracts only)

The fees and expenses of a

fee-based

program are separate from and in addition to the fees and expenses of the annuity contract. You should ensure that within your fee-based program there are sufficient liquid assets outside of this contract to pay any fees and expenses associated with the program. Please consult with your program sponsor for more details about your fee-based program.

Transfer charge

Currently, we do not charge for transfers among variable investment options under the contract. However, we reserve the right to charge for any transfers among variable investment options in excess of 12 per contract year. We will provide you with advance notice if we decide to assess the transfer charge, which will never exceed $35 per transfer.

The transfer charge is designed to compensate the company with respect to administering the transaction. The charge is also designed to deter disruptive transfer activity. The transfer charge (if applicable), will be assessed at the time that the transfer is processed. Each time you request a transfer from one variable investment option to another, we will assess the transfer charge (if applicable). Separate requests submitted on the same day will each be treated as a separate transfer. Any transfer charge will be deducted from the variable investment options from which the transfer is made. We will not count transfers from Segment Type Holding Accounts into Segments on a Segment Start Date, or the allocation of Segment Maturity Value on a Segment Maturity Date in calculating the number of transfers subject to this charge. We will also not charge for transfers made in connection with our Dollar Cap Averaging Program.

Any such transfer charge will be deducted from Segment Interim Value of the Segment from which the transfer is made and the Segment Investment will be reduced on a pro rata basis by the same proportion that the Sement Interim Value was reduced on the date of the deduction by the amount of the charge.

Special services charges

We deduct a charge for providing the special services described below. These charges compensate us for the expense of processing each special service. For certain services, we will deduct from your account value any withdrawal charge that applies and the charge for the special service. Please note that we may discontinue some or all of these services without notice.

Wire transfer charge.

We charge $90 for outgoing wire transfers. Unless you specify otherwise, this charge will be deducted from the amount you request.

Express mail charge.

We charge $35 for sending you a check by express mail delivery. This charge will be deducted from the amount you request.

Duplicate contract charge.

We charge $35 for providing a copy of your contract. The charge for this service can be paid (i) using a credit card acceptable to us, (ii) by sending a check to our processing office, or (iii) by any other means we make available to you.

Withdrawal charge

(Applicable to Series B contracts only)

A withdrawal charge may apply in four circumstances: (1) you make one or more withdrawals during a contract year; (2) you surrender your contract to receive its cash value; (3) we terminate your contract; or (4) if you annuitize your contract and elect a non-life contingent annuity option. The amount of the charge will depend on whether the 10% free withdrawal amount applies, and the availability of one or more exceptions.

The withdrawal charge equals a percentage of the contributions withdrawn. The percentage that applies depends on how long each contribution has been invested in the contract. We determine the withdrawal charge separately for each contribution according to the following table:


Charge as a % of contribution for each year following contribution
1	2	3	4	5	6+

5%	5%	5%	4%	3%	0%

For purposes of calculating the withdrawal charge, we treat the year in which we receive a contribution as “contract year 1.” Amounts withdrawn that are not subject to the withdrawal charge are not considered withdrawals of any contribution. We also treat contributions that have been invested the longest as being withdrawn first. We treat contributions as withdrawn before earnings for purposes of calculating the withdrawal charge. However, federal income tax rules treat earnings under most NQ contracts as withdrawn first. See “Tax information”.

In order to give you the exact dollar amount of the withdrawal you request, we deduct the amount of the withdrawal and the amount of the withdrawal charge from your account value. Any amount deducted to pay withdrawal charges is also subject to that same withdrawal charge percentage.

We deduct the withdrawal amount and the withdrawal charge pro rata from the variable investment options (excluding the Segment Type Holding Accounts and dollar cap averaging account). If those amounts are insufficient, we will deduct all or a portion of the required amounts pro rata from the Segment Type Holding Accounts. If the amounts in the Segment Type Holding Accounts are still insufficient, we will deduct all or a portion of the required amounts from the dollar cap averaging account. If the amount in the dollar cap averaging account is still insufficient, we deduct all or a portion of the required amounts from the Segments on a pro rata basis. If you specify that your withdrawal be taken from specific investment options, the amount of the withdrawal charge will first be taken from the investment options you specify. If there is insufficient value in those options to pay the withdrawal charge after your withdrawal is deducted, then the remainder of the withdrawal charge is deducted as described above.

Withdrawals from a Segment or a Segment Type Holding Account are subject to the same withdrawal charge calculations as a withdrawal from any other investment option. Any withdrawal from a Segment will trigger the calculation of the Segment Interim Value, which is in addition to any applicable withdrawal charge. A withdrawal from a Segment Type Holding Account reduces the amount that will be transferred to a Segment. For more information, see “Structured Investment Option” in “Purchasing the contract”.

The withdrawal charge does not apply in the circumstances described below.

10% free withdrawal amount.

For Series B contracts, each contract year you can withdraw up to 10% of your account value without paying a withdrawal charge. No withdrawal charge applies to Series C and Series ADV contracts. The 10% free withdrawal amount is determined using your account value at the beginning of the contract year. In the first contract year amounts received within 90 days of the contract date are included for purposes of calculating the free withdrawal amount. When a contract is surrendered in certain states, the free withdrawal amount is not taken into account when calculating the amount of the withdrawal.

Assume you made an initial contribution of $100,000 to a 5-year Segment and a subsequent contribution of $40,000 in contract year 2 to another 5-year Segment. At the beginning of the sixth contract year, if your account value is $200,000, your withdrawal charge free amount is $120,000 ($20,000 from the 10% free withdrawal amount plus $100,000 from contributions which are no longer subject to withdrawal charges). If you withdraw the entire Segment Maturity Value of the first Segment when it matures (assume $150,000), you would pay a withdrawal charge of $900 on the $30,000 of contributions deemed to be withdrawn from the contract (3% of ($150,000 - $20,000 - $100,000)). As this example shows, for purposes of calculating withdrawal charges, all contributions (both initial and subsequent) are deemed withdrawn before any earnings, even earnings from Segments where the associated contributions are no longer subject to withdrawal charges.

Death.

The withdrawal charge does not apply if the owner dies and a death benefit is payable to the beneficiary.

Disability, terminal illness, or confinement to nursing home.

The withdrawal charge also does not apply if:

(i)	An owner (or older joint owner, if applicable) has qualified to receive Social Security disability benefits as certified by the Social Security Administration; or

(ii)	We receive proof satisfactory to us (including certification by a licensed physician) that an owner’s (or older joint owner’s, if applicable) life expectancy is six months or less; or

(iii)

An owner (or older joint owner, if applicable) has been confined to a nursing home for more than 90 days (or such other period, as required in your state) as verified by a licensed physician. A nursing home for this purpose means one that is (a) approved by Medicare as a provider of skilled nursing care service, or (b) licensed as a skilled nursing home by the state or territory in which it is located (it must be within the United States, Puerto Rico, or U.S. Virgin Islands) and meets all of the following:

—

its main function is to provide skilled, intermediate, or custodial nursing care;

—

it provides continuous room and board to three or more persons;

—

it is supervised by a registered nurse or licensed practical nurse;

—

it keeps daily medical records of each patient;

—

it controls and records all medications dispensed; and

—

its primary service is other than to provide housing for residents.

We reserve the right to impose a withdrawal charge, in accordance with your contract and applicable state law, if the conditions described in (i), (ii) or (iii) above existed at the time a contribution was remitted or if the condition began within 12 months of the period following

remittance. Some states may not permit us to waive the withdrawal charge in the above circumstances, or may limit the circumstances for which the withdrawal charge may be waived. Your financial professional can provide more information or you may contact our processing office.

Large investors.

Withdrawal charges will not apply to Series B contracts purchased with an initial contribution of $25 million or more.

Charges for state premium and other applicable taxes

We deduct a charge designed to approximate certain taxes that may be imposed on us, such as premium taxes in your state. Generally, we deduct the charge from the amount applied to provide an annuity pay out option. The current tax charge that might be imposed varies by jurisdiction and ranges from 0% to 3.5%.

Adjustments

Adjustments with respect to early distributions from Segments

We calculate the Segment Interim Value when any amount leaves a Segment, whether a partial withdrawal or a full contract surrender, or upon death or cancellation or annuitization of the contract, from a Segment prior to the Segment Maturity Date. Prior to the Segment Maturity Date, the following transactions trigger the Segment Interim Value calculation: (1) the receipt of an in good order death claim by your beneficiary; (2) a withdrawal (including an automatic or systematic withdrawal, a required minimum distribution, a withdrawal to pay advisory fees under a Series ADV contract and a free withdrawal under a Series B contract); (3) if you surrender or annuitize your contract; or (4) if you cancel your contract and return it to us for a refund within your state’s “free look” period.

If you make one of these transactions, because the end-of-term downside protection provided by a Segment Buffer does not apply to the Segment Interim Value, it is theoretically possible that you could lose up to 100% of your investment and previously credited interest in certain extreme scenarios.

The Segment Interim Value is calculated based on a formula that provides a treatment for an early distribution that is designed to be consistent with how distributions at the end of a Segment are treated. The formula is designed to measure the fair value of your Segment Investment on the particular interim date, and is based on the downside protection provided by the Segment Buffer, the limit on participation in investment gain provided by the Performance Cap Rate, and an adjustment for the effect of a withdrawal prior to the Segment Maturity Date. You should note that even if a corresponding Index has experienced positive growth, the calculation of your Segment Interim Value may result in an amount lower than your Segment Investment.

The Segment Interim Value will generally be negatively affected by increases in the expected volatility of index

prices, interest rate increases, and by poor market performance. All other factors being equal, the Segment Interim Value would be lower the earlier a withdrawal or surrender is made during a Segment. Also, for all contracts using a Performance Cap Rate limiting factor, participation in upside performance for early withdrawals is

pro-rated

based on the period those amounts were invested in a Segment. This means you participate to a lesser extent in upside performance the earlier you take a withdrawal.

Withdrawals from a Segment prior to your Segment Maturity Date reduce the Segment Investment on a pro rata basis by the same proportion that the Segment Interim Value is reduced on the date of the withdrawal. We use the Segment Investment to determine your Segment Maturity Value.

The formula we use, in part, derives the fair value of hypothetical investments in fixed instruments and derivatives. These values provide us with protection from the risk that we will have to pay out account value related to a Segment prior to the Segment Maturity Date. The formula also includes an adjustment relating to the Cap Calculation Factor. This is a positive adjustment of the percentage of the estimated expenses corresponding to the portion of the Segment Duration that has not elapsed. Additional information about Segment Interim Values, including the actual calculation formula and examples illustrating the operation of the Segment Interim Value adjustment, is located in the SAI.

You can obtain the current Segment Interim Values for the Segments in which you are invested by calling

1-877-899-3743.

The Segment Interim Value of a Segment can fluctuate daily, and the current value quoted to you may differ from the actual Segment Interim Value calculated at the time you make a transaction that triggers the Segment Interim Value calculation.

Charges that the Trust deducts

The Trust deducts charges for the following types of fees and expenses:

•

Management fees.

•

12b-1

fees.

•

Operating expenses, such as trustees’ fees, independent auditors’ fees, legal counsel fees, administrative service fees, custodian fees, and liability insurance.

•

Investment-related expenses, such as brokerage commissions.

These charges are reflected in the daily share price of each portfolio. Since shares of the Trust are purchased at their net asset value, these fees and expenses are, in effect, passed on to the variable investment options and are reflected in their unit values. For more information about these charges, please refer to the prospectuses for the Trust.

Item 10. Benefits Available [Line Items]

Benefits Available (N-4) [Text Block]

Benefits available under the contract

Summary of Benefits

The following tables summarize important information about the benefits available under the contract.

Death Benefits

These death benefits are available during the accumulation phase:


Name of Benefit	Purpose	Standard/ Optional	Annual Fee		Brief Description of Restrictions/ Limitations
Name of Benefit	Purpose	Standard/ Optional	Max	Current	Brief Description of Restrictions/ Limitations
Standard Death Benefit	Guarantees beneficiaries will receive a benefit equal to your account value, including the withdrawal of advisory fees.	Standard	No Additional Charge		• Available only at contract purchase

Other Benefits

These other benefits are available during the accumulation phase:


Name of Benefit	Purpose	Standard/ Optional	Annual Fee		Brief Description of Restrictions/Limitations
			Max	Current

Dollar Cap Averaging	Transfer account value to selected segment type holding accounts on a regular basis to potentially reduce the impact of market volatility.	Optional	No Charge		• $25,000 minimum to begin program

There are no restrictions on which investment options you can invest in for the death benefits. The Segments and variable investment option may be conservative in nature and you may receive a higher rate of return from other investment options. If you are seeking more aggressive investment options the allowable investments may not be appropriate for you.

The standard death benefit is equal to the account value as of the date we receive satisfactory proof of the owner’s death, any required instructions for the method of payment, and all information and forms necessary to effect payment. There is no additional charge for this benefit.

Payment of Death Benefit

Your beneficiary and payment of benefit

If you have a Series C or Series ADV contract, disregard any references to “withdrawal charges,” “cash value” or “free withdrawal amount” in this section; these terms only apply to Series B contracts, not Series C or Series ADV contracts.

You designate your beneficiary when you apply for your contract. You may change your beneficiary during your lifetime and while the contract is in force. The change will be effective on the date the written request for the change is received in our processing office. We are not responsible for any beneficiary change request that we do not receive. We will send you a written confirmation when we receive your request. Any part of a death benefit for which there is no named or designated beneficiary living at your death will be payable in a single sum to your surviving spouse, if any; if there is no surviving spouse, then to the surviving children in equal shares; if there are no surviving children, then to your estate. Under jointly owned contracts, the surviving owner is considered the beneficiary, and will take the place of any other beneficiary. In a QP contract, the beneficiary must be the plan trust. If the contract is owned by a qualified plan trust or other entity, the death benefit is payable to the entity owner. Where an NQ contract is owned for the benefit of a minor pursuant to the Uniform Gifts to Minors Act or the Uniform Transfers to Minors Act, the beneficiary must be the estate of the minor.

Subject to applicable laws and regulations, you may impose restrictions on the timing and manner of the payment of the death benefit to your beneficiary. For example, your beneficiary designation may specify the form of death benefit payout (such as a life annuity), provided the payout you elect is one that we offer both at the time of designation and when the death benefit is payable. In general, the beneficiary will have no right to change the election. However, you should be aware that (i) in accordance with current federal income tax rules, we apply a predetermined death benefit annuity payout election only if payment of the death benefit amount begins within one year following the date of death, which payment may not occur if the beneficiary has failed to provide all required information before the end of that period, (ii) we will not apply the predetermined death benefit payout election if doing so would violate any federal income

tax rules or any other applicable law, and (iii) a beneficiary or a successor owner who continues the contract under one of the continuation options described below will have the right to change your annuity payout election.

Equitable Access Account

If the beneficiary is a natural person (i.e., not an entity such as a corporation or a trust) and so elects, death benefit proceeds can be paid through the “Equitable Access Account,” which is a draft account that works in certain respects like an interest-bearing checking account. In that case, we will send the beneficiary a draftbook, and the beneficiary will have immediate access to the proceeds by writing a draft for all or part of the amount of the death benefit proceeds. The Company will retain the funds until a draft is presented for payment. Interest on the Equitable Access Account is earned from the date we establish the account until the account is closed by your beneficiary or by us if the account balance falls below the minimum balance requirement, which is currently $1,000. The Equitable Access Account is part of the Company’s general account and is subject to the claims of our creditors. We will receive any investment earnings during the period such amounts remain in the general account. The Equitable Access Account is not a bank account or a checking account and it is not insured by the FDIC. Funds held by insurance companies in the general account are guaranteed by the respective state guaranty association.

Effect of the owner’s death

In general, if the owner dies while the contract is in force, the contract terminates and the applicable death benefit is paid. If the contract is jointly owned, the death benefit is payable upon the death of the older owner. If the contract is owned by a non-natural person, the death of the primary annuitant triggers rules regarding the death of an owner.

Once we have received notice of the owner’s death, we will not make any transfers from Segment Type Holding Accounts to Segments. Amounts in the Segment Type Holding Accounts will be defaulted into the EQ/Money Market variable investment option. When Segments mature, the Segment Maturity Value will be transferred to the EQ/Money Market variable investment option.

There are various circumstances, however, in which the contract can be continued by a successor owner or under a Beneficiary continuation option (“BCO”). For contracts with spouses who are joint owners, the surviving spouse will automatically be able to continue the contract under the “Spousal continuation” feature, or under our Beneficiary continuation option, as discussed below. For contracts with

non-spousal

joint owners, the joint owner will be able to continue the contract as a successor owner subject to the limitations discussed below under “Non-spousal joint owner contract continuation.” If you are the sole owner and your spouse is the sole primary beneficiary, your surviving spouse can continue the contract as a successor owner, under “Spousal continuation” or under our Beneficiary continuation option, as discussed below.

If the surviving joint owner is not the surviving spouse, or, for single owner contracts, if the beneficiary is not the surviving spouse, federal income tax rules generally require payments of amounts under the contract to be made within five years of an owner’s death (the

“5-year

rule”). In certain cases, an individual beneficiary or

non-spousal

surviving joint owner may opt to receive payments over his/her life (or over a period not in excess of his/her life expectancy) if payments commence within one year of the owner’s death. Any such election must be made in accordance with our rules at the time of death.

Non-spousal

joint owner contract continuation

Upon the death of either owner, the surviving joint owner becomes the sole owner.

Any death benefit (if the older owner dies first) or cash value (if the younger owner dies first) must be fully paid to the surviving joint owner within five years, unless one of the exceptions described here applies. The surviving owner may instead elect to take an installment payout or an annuity payout option we may offer at the time under the contract, provided payments begin within one year of the deceased owner’s death. If an annuity or installment payout is elected, the contract terminates and a supplemental contract is issued.

If the older owner dies first, the surviving owner can elect to (1) take a lump sum payment; (2) take an installment payout or an annuity payout option we may offer at the time under the contract within one year; (3) continue the contract for up to five years; or (4) continue the contract under the Beneficiary continuation option discussed below. If the contract continues, withdrawal charges will no longer apply, and no additional contributions will be permitted.

If the younger owner dies first, the surviving owner can elect to (1) take a lump sum payment; (2) take an installment payout or annuity within one year; (3) continue the contract for up to five years; or (4) continue the contract under the Beneficiary continuation option discussed below. If the contract continues, withdrawal charges (for Series B contracts) will continue to apply and no additional contributions will be permitted. The death benefit becomes payable to the beneficiary if the older owner dies within five years after the death of the younger owner.

Spousal continuation

If you are the contract owner and your spouse is the sole primary beneficiary or you jointly own the contract with your younger spouse, or if the contract owner is a

non-natural

person and you and your younger spouse are joint annuitants, your spouse may elect to continue the contract as successor owner upon your death. Spousal beneficiaries (who are not also joint owners) must be 95 or younger as of the date of the deceased spouse’s death in order to continue the contract under Spousal continuation. The determination of spousal status is made under applicable state law. However, in the event of a conflict between federal and state law, we follow federal rules.

Upon your death, the younger spouse joint owner (for NQ contracts only) or the spouse beneficiary (under a single owner contract) may elect to receive the death benefit, continue the contract under our Beneficiary continuation option (as discussed below in this section) or continue the contract, as follows:

•

In general, withdrawal charges (for Series B contracts) will no longer apply to contributions made before your death. Withdrawal charges will apply if additional contributions are made.

•

If the deceased spouse was the annuitant, the surviving spouse becomes the annuitant. If the deceased spouse was a joint annuitant, the contract will become a single annuitant contract.

Where an NQ contract is owned by a Living Trust, as defined in the contract, and at the time of the annuitant’s death the annuitant’s spouse is the sole beneficiary of the Living Trust, the Trustee, as owner of the contract, may request that the spouse be substituted as annuitant as of the date of the annuitant’s death. No further change of annuitant will be permitted.

Where an IRA contract is owned in a custodial individual retirement account, and your spouse is the sole beneficiary of the account, the custodian may request that the spouse be substituted as annuitant after your death.

For jointly owned NQ contracts, if the younger spouse dies first no death benefit is paid, and the contract continues as follows:

•

If the deceased spouse was the annuitant, the surviving spouse becomes the annuitant. If the deceased spouse was a joint annuitant, the contract will become a single annuitant contract.

•

The withdrawal charge schedule (for Series B contracts) remains in effect.

The transfer restrictions on amounts in Segments prior to election of Spousal continuation remain in place. Any amounts in Segments may not be transferred out of the Segments until their Segment Maturity Dates. The Segment Maturity Value may be reinvested in other investment options.

If you divorce, Spousal continuation does not apply.

Beneficiary continuation option

This feature permits a designated individual, on the contract owner’s death, to maintain a contract with the deceased contract owner’s name on it and receive distributions under the contract, instead of receiving the death benefit in a single sum. We make this option available to beneficiaries under traditional IRA, Roth IRA and NQ contracts, subject to state availability. For traditional and Roth IRAs, depending on the beneficiary, this option may be restricted for deaths after December 31, 2019, due to the changes made by the Setting Every Community Up for Retirement Enhancement Act (“SECURE Act”) enacted at the end of 2019. Please speak with your financial professional or see Appendix II for further information.

Where an IRA contract is owned in a custodial individual retirement account, the custodian may reinvest the death benefit in an individual retirement annuity contract, using the account beneficiary as the annuitant. Please speak with your financial professional for further information.

Beneficiary continuation option for traditional IRA and Roth IRA contracts only.

The beneficiary continuation option must be elected by September 30th of the year following the calendar year of your death and before any other inconsistent election is made. Beneficiaries who do not make a timely election will not be eligible for this option.

For deaths after December 31, 2019, only specified individuals who are “eligible designated beneficiaries” or “EDBs” may stretch post-death payments over the beneficiary’s life expectancy. See “required minimum distributions after your death” under “Tax Information.” Individual beneficiaries who do not have EDB status (including beneficiaries named by the original beneficiary to receive any remaining interest after the death of the original beneficiary) must take out any remaining interest in the IRA or plan within 10 years of the applicable death. Trusts for individuals which would be considered as “see-through” trusts under the rules prior to January 1, 2020 no longer qualify to elect the beneficiary continuation option, except under narrowly defined circumstances.

Under the beneficiary continuation option for IRA and Roth IRA contracts:

•

The contract continues with your name on it for the benefit of your beneficiary.

•

The beneficiary replaces the deceased owner as annuitant.

•

This feature is only available if the beneficiary is an individual. Certain trusts with only individual beneficiaries will be treated as individuals for this purpose.

•

If there is more than one beneficiary:

—

each beneficiary’s share will be separately accounted for. It will be distributed over the beneficiary’s own life expectancy, if payments over life expectancy are chosen; and

—

as of the date we receive satisfactory proof of death, any required instructions, information and forms necessary to effect the beneficiary continuation option feature for the first beneficiary, all Segments will be terminated and all Segment Interim Values will be transferred into the EQ/Money Market variable investment option.

•

If there is one beneficiary, the transfer restrictions on amounts in Segments prior to election of the beneficiary continuation option remain in place. Any amounts in Segments may not be transferred out of the Segments until their Segment Maturity Dates. The Segment Maturity Value may be reinvested in other investment options. However, if the beneficiary has chosen the

“5-year

rule,” amounts may not be invested in Segments with Segment Maturity Dates later than December 31st of the calendar year which contains the fifth anniversary of your death.

•

A beneficiary who chooses to receive annual payments over his life expectancy should consult his tax adviser about selecting Segments that provide sufficient liquidity to satisfy the payout requirements under this option.

•

The minimum amount that is required in order to elect the beneficiary continuation option is $5,000 for each beneficiary.

•

The beneficiary may make transfers among the variable investment options but no additional contributions will be permitted.

•

The beneficiary may choose at any time to withdraw all or a portion of the account value and no withdrawal charges, if any, will apply.

•

Any partial withdrawal must be at least $300.

•

Your beneficiary will have the right to name a beneficiary to receive any remaining interest in the contract.

•

Upon the death of your beneficiary, the following distribution rules will apply to the subsequent beneficiary named by your beneficiary: (1) if your beneficiary is an EDB or you died on or before December 31, 2019, the subsequent beneficiary must withdraw any remaining amount within ten years of your beneficiary’s death; or (2) if your beneficiary is not an EDB, the subsequent beneficiary must withdraw any remaining amount within 10 years of your death. The option elected will be processed when we receive satisfactory proof of death, any required instructions for the method of payment and any required information and forms necessary to effect payment.

•

For beneficiaries who are required to take the entire interest within 10 years, we offer our post-death automatic RMD option to help the beneficiary meet the RMD requirements if the deceased owner died on or after the Required Beginning Date. We calculate post-death RMD payments using the beneficiary’s life expectancy determined in accordance with IRS tables. Instead of electing our post-death automatic RMD option, your beneficiary may choose to calculate the required amount themselves and request partial withdrawals. Regardless of whether your beneficiary elects this option, any remaining amounts will be distributed to your beneficiary by the end of the 10

calendar year following the year of your death. It is the beneficiary’s responsibility to ensure compliance with the post-death RMD rules under federal tax law.

Beneficiary continuation option for NQ contracts only.

This feature may only be elected when the NQ contract owner dies before the annuity maturity date, whether or not the owner and the annuitant are the same person. For purposes of this discussion, “beneficiary” refers to the successor owner or the surviving joint owner who elects this feature. This feature must be elected within 9 months following the date of your death and before any other inconsistent election is made. Beneficiaries who do not make a timely election will not be eligible for this option.

Generally, payments will be made once a year to the beneficiary over the beneficiary’s life expectancy, determined on a term certain basis and in the year payments start. These payments must begin no later than one year after the date of your death and are referred to as “scheduled payments.” The beneficiary may choose the

“5-year

rule” instead of scheduled payments over life expectancy. If the beneficiary chooses the

5-year

rule, there will be no scheduled payments. Under the

5-year

rule, the beneficiary may take withdrawals as desired, but the entire account value must be fully withdrawn by the fifth anniversary of your death.

Under the beneficiary continuation option for NQ contracts:

•

This feature is only available if the beneficiary is an individual. It is not available for any entity such as a trust, even if all of the beneficiaries of the trust are individuals.

•

The beneficiary automatically replaces the existing annuitant.

•

The contract continues with your name on it for the benefit of your beneficiary.

•

If there is more than one beneficiary:

—

each beneficiary’s share will be separately accounted for. It will be distributed over the respective beneficiary’s own life expectancy, if scheduled payments are chosen; and

—

•

If there is one beneficiary, the transfer restrictions on amounts in Segments prior to the election of the beneficiary continuation option remain in place. Any amounts in Segments may not be transferred out of the Segments until their Segment Maturity Dates. The Segment Maturity Value may be reinvested in other investment options. However, if the beneficiary has chosen the

“5-year

rule,” amounts may not be invested in Segments with Segment Maturity Dates later than the fifth anniversary of your death.

•

The minimum amount that is required in order to elect the beneficiary continuation option is $5,000 for each beneficiary.

•

The beneficiary may make transfers among the investment options but no additional contributions will be permitted.

•

If the beneficiary chooses the

“5-year

rule,” withdrawals may be made at any time. If the beneficiary instead chooses scheduled payments, the beneficiary may also take withdrawals, in addition to scheduled payments, at any time.

•

Any partial withdrawals must be at least $300.

•

Your beneficiary will have the right to name a beneficiary to receive any remaining interest in the contract on the beneficiary’s death.

•

Upon the death of your beneficiary, the beneficiary he or she has named has the option to either continue taking scheduled payments based on the remaining life expectancy of the deceased beneficiary (if scheduled payments were chosen) or to receive any remaining interest in the contract in a lump sum. We will pay any remaining interest in the contract in a lump sum if your beneficiary elects the

5-year

rule. The option elected will be processed when we receive satisfactory proof of death, any required instructions for the method of payment and any required information and forms necessary to effect payment.

If the deceased is the owner or older joint owner:

•

No withdrawal charges will apply to any withdrawals by the beneficiary.

If the deceased is the younger

non-spousal

joint owner:

•

The contract’s withdrawal charge schedule will continue to be applied to any withdrawal or surrender other than scheduled payments; the contract’s free withdrawal amount will continue to apply to withdrawals but does not apply to surrenders.

•

We do not impose a withdrawal charge on scheduled payments except if, when added to any withdrawals previously taken in the same contract year, including for this purpose a contract surrender, the total amount of withdrawals and scheduled payments exceed the free withdrawal amount. See the “Withdrawal charges” in “Charges, Expenses, and Adjustments”.

A beneficiary should speak to his or her tax professional about which continuation option is appropriate for him or her. Factors to consider include, but are not limited to, the beneficiary’s age, need for immediate income and a desire to continue the contract.

Dollar Cap Averaging Program

Our Dollar Cap Averaging Program (“Program”) is an administrative service designed to systematically invest in any of the available Segments over a period of either three or six months. The Program invests in the dollar cap averaging account, which is part of the EQ/Money Market variable investment option. The dollar cap averaging account has the same rate of return as the EQ/Money market variable investment option. The Program allows you to gradually allocate amounts to available Segment Type Holding Accounts by periodically transferring approximately the same dollar amount to your selected Segment Type Holding Accounts. Regular allocations to the Segment Type Holding Accounts will allow you to invest in the Segments at different Performance Cap Rates. Therefore, you may get a higher average cap over the long term. This plan of investing,

however, does not guarantee that you will earn a profit or be protected against losses. We may, at any time, exercise our right to terminate transfers to any of the Segment Type Holding Accounts, limit the number of Segments which you may elect or discontinue offering the Program.

Under the Dollar Cap Averaging Program, the following applies:

•

The minimum initial contribution required to establish a Program is $25,000.

•

There is no minimum contribution requirement for subsequent contributions to an existing Program. Subsequent contributions do not extend the time period of the Program. Subsequent contributions will increase the amount of each periodic transfer into the designated Segment Type Holding Account(s) for the remainder of the Program.

•

The Program can be funded from both new contributions to your contract and transfers from the investment options, including the EQ/Money Market variable investment option.

•

If you elect to invest in the Program at contract issue, 100% of your initial contribution must be allocated to the Program. In other words, your initial contribution cannot be split between your Program and any other investment option available under the contract.

•

Your allocation instructions for the Program must match your allocation instructions on file on the day the Program is established. If you change your allocation instructions on file, the instructions for your Program will change to match your new allocation instructions.

•

You may not specify a Performance Cap Threshold if you elect to invest in the Program. This means you will invest in the Segment(s) based on the Performance Cap Rate declared on the Segment Start Date, which could include Segments with Performance Cap Rates that do not meet your investment objectives.

•

We offer time periods of 3 and 6 months. We may also offer other time periods. You may only have one time period in effect at any time and once you select a time period, you may not change it.

•

Currently, your account value will be transferred from the Program into your designated Segment Type Holding Account(s) on a monthly basis. We may offer the Program in the future with transfers on a different basis. You can learn more about the Program by contacting your financial professional or our processing office.

•

Transfers from the dollar cap averaging account into the designated Segment Type Holding Account(s) will occur the business day preceding the next Segment Start Date. For example, if a contract is issued on January 5th and the next Segment Start Date is January 15th and January 14th is a business day, the first transfer from the dollar cap averaging account into the designated Segment Type Holding Account(s) will occur on January 14th.

Benefits Available [Table Text Block]

Summary of Benefits

The following tables summarize important information about the benefits available under the contract.

Death Benefits

These death benefits are available during the accumulation phase:


Name of Benefit	Purpose	Standard/ Optional	Annual Fee		Brief Description of Restrictions/ Limitations
Name of Benefit	Purpose	Standard/ Optional	Max	Current	Brief Description of Restrictions/ Limitations
Standard Death Benefit	Guarantees beneficiaries will receive a benefit equal to your account value, including the withdrawal of advisory fees.	Standard	No Additional Charge		• Available only at contract purchase

Other Benefits

These other benefits are available during the accumulation phase:


Name of Benefit	Purpose	Standard/ Optional	Annual Fee		Brief Description of Restrictions/Limitations
			Max	Current

Dollar Cap Averaging	Transfer account value to selected segment type holding accounts on a regular basis to potentially reduce the impact of market volatility.	Optional	No Charge		• $25,000 minimum to begin program

Item 17. Investment Options [Line Items]

Investment Options (N-4) [Text Block]

Appendix: Investment Options available under the contract

Variable 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#EQH146636. 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.


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
Fixed Income	EQ/Core Bond Index (1) – Equitable Investment Management Group, LLC (“EIMG”) ; SSGA Funds Management, Inc.		0.62	%^		6.43	%		0.35	%		1.70	%
Equity	EQ/Equity 500 Index – EIMG; AllianceBernstein L.P.		0.53	%^		17.23	%		13.79	%		14.15	%
Cash/Cash Equivalent	EQ/Money Market* – EIMG; Dreyfus, a division of Mellon Investments Corporation		0.67	%		3.66	%		2.79	%		1.73	%

^	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.

Index-Linked Options

The following is a list of Segments of the SIO currently available under the contract. We may change the features of the Segments listed below (including the Index and the current limits on Index gains and losses), offer new Segments, and terminate existing Segments. We will provide you with written notice before making any changes other than changes to current limits on Index gains. Information about current limits on index gains is available at www.equitable.com/scs1-rates-prospectus. See “Structured Investment Option” in “Purchasing the contract” for additional information about the Indices, the Segment Rate of Return calculation methods, and the operation of the Segment Buffer and Performance Cap Rate.

Note: If amounts are removed from a Segment before the Segment Maturity Date, we will apply a Segment Interim Value adjustment. This may result in a significant reduction in your account value that could exceed any protection from Index loss that would be in place if you held the option until the Segment Maturity Date. See “Adjustments with respect to early distributions from Segments” in “Charges, Expenses, and Adjustments” for more information about Segment Interim Value.


Index	Type of Index	Segment Duration	Segment Rate of Return Calculation Method	Current Limit on Index Loss if held until Segment Maturity Date (Segment Buffer)	Minimum Limit on Index Gain for the life of the Segment (Performance Cap Rate)
S&P 500 Price Return Index*	Market Index	5 year 3 year 1 year	Standard	-10%; -20%; -30% -10%; -20% -10%	10% 6% 2%
Russell 2000 ® Price Return Index*	Market Index	5 year 3 year 1 year	Standard	-10%; -20%; -30% -10%; -20% -10%	10% 6% 2%
MSCI EAFE Price Return Index*	Market Index	1 year	Standard	-10%	2%


Index	Type of Index	Segment Duration	Segment Rate of Return Calculation Method	Current Limit on Index Loss if held until Segment Maturity Date (Segment Buffer)	Minimum Limit on Index Gain for the life of the Segment (Performance Cap Rate)
NASDAQ-100 Price Return Index*	Market Index	1 year	Standard	-10%	2%
MSCI Emerging Markets Price Return Index*	Market Index	1 year	Standard	-10%	2%
iShares ® Dow Jones U.S. Real Estate Index Fund*	Market Index	1 year	Standard	-10%	2%
Financial Select Sector SPDR ® Fund*	Market Index	1 year	Standard	-10%	2%
Gold Index*	Market Index	1 year	Standard	-10%	2%
Oil Index*	Market Index	1 year	Standard	-10%	2%
Choice S&P 500 Price Return Index*	Market Index	5 year (1) 3 year	Choice	-10%; -15%; -25% -10%	10% 6%
Choice Russell 2000 ® Price Return Index*	Market Index	5 year (1) 3 year	Choice	-10%; -15%; -25% -10%	10% 6%

(1)	Only available for Series B contracts.

Variable Option [Line Items]

Prospectuses Available [Text Block]

EquitableFunds@dfinsolutions.com.

Portfolio Companies [Table Text Block]


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
Fixed Income	EQ/Core Bond Index (1) – Equitable Investment Management Group, LLC (“EIMG”) ; SSGA Funds Management, Inc.		0.62	%^		6.43	%		0.35	%		1.70	%
Equity	EQ/Equity 500 Index – EIMG; AllianceBernstein L.P.		0.53	%^		17.23	%		13.79	%		14.15	%
Cash/Cash Equivalent	EQ/Money Market* – EIMG; Dreyfus, a division of Mellon Investments Corporation		0.67	%		3.66	%		2.79	%		1.73	%

^	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.

Index-Linked Option [Line Items]

Index-Linked Options Available, Legend [Text Block]

Index-Linked Options


Index	Type of Index	Segment Duration	Segment Rate of Return Calculation Method	Current Limit on Index Loss if held until Segment Maturity Date (Segment Buffer)	Minimum Limit on Index Gain for the life of the Segment (Performance Cap Rate)
S&P 500 Price Return Index*	Market Index	5 year 3 year 1 year	Standard	-10%; -20%; -30% -10%; -20% -10%	10% 6% 2%
Russell 2000 ® Price Return Index*	Market Index	5 year 3 year 1 year	Standard	-10%; -20%; -30% -10%; -20% -10%	10% 6% 2%
MSCI EAFE Price Return Index*	Market Index	1 year	Standard	-10%	2%


Index	Type of Index	Segment Duration	Segment Rate of Return Calculation Method	Current Limit on Index Loss if held until Segment Maturity Date (Segment Buffer)	Minimum Limit on Index Gain for the life of the Segment (Performance Cap Rate)
NASDAQ-100 Price Return Index*	Market Index	1 year	Standard	-10%	2%
MSCI Emerging Markets Price Return Index*	Market Index	1 year	Standard	-10%	2%
iShares ® Dow Jones U.S. Real Estate Index Fund*	Market Index	1 year	Standard	-10%	2%
Financial Select Sector SPDR ® Fund*	Market Index	1 year	Standard	-10%	2%
Gold Index*	Market Index	1 year	Standard	-10%	2%
Oil Index*	Market Index	1 year	Standard	-10%	2%
Choice S&P 500 Price Return Index*	Market Index	5 year (1) 3 year	Choice	-10%; -15%; -25% -10%	10% 6%
Choice Russell 2000 ® Price Return Index*	Market Index	5 year (1) 3 year	Choice	-10%; -15%; -25% -10%	10% 6%

(1)	Only available for Series B contracts.

Index-Linked Options Available [Table Text Block]


Index	Type of Index	Segment Duration	Segment Rate of Return Calculation Method	Current Limit on Index Loss if held until Segment Maturity Date (Segment Buffer)	Minimum Limit on Index Gain for the life of the Segment (Performance Cap Rate)
S&P 500 Price Return Index*	Market Index	5 year 3 year 1 year	Standard	-10%; -20%; -30% -10%; -20% -10%	10% 6% 2%
Russell 2000 ® Price Return Index*	Market Index	5 year 3 year 1 year	Standard	-10%; -20%; -30% -10%; -20% -10%	10% 6% 2%
MSCI EAFE Price Return Index*	Market Index	1 year	Standard	-10%	2%


Index	Type of Index	Segment Duration	Segment Rate of Return Calculation Method	Current Limit on Index Loss if held until Segment Maturity Date (Segment Buffer)	Minimum Limit on Index Gain for the life of the Segment (Performance Cap Rate)
NASDAQ-100 Price Return Index*	Market Index	1 year	Standard	-10%	2%
MSCI Emerging Markets Price Return Index*	Market Index	1 year	Standard	-10%	2%
iShares ® Dow Jones U.S. Real Estate Index Fund*	Market Index	1 year	Standard	-10%	2%
Financial Select Sector SPDR ® Fund*	Market Index	1 year	Standard	-10%	2%
Gold Index*	Market Index	1 year	Standard	-10%	2%
Oil Index*	Market Index	1 year	Standard	-10%	2%
Choice S&P 500 Price Return Index*	Market Index	5 year (1) 3 year	Choice	-10%; -15%; -25% -10%	10% 6%
Choice Russell 2000 ® Price Return Index*	Market Index	5 year (1) 3 year	Choice	-10%; -15%; -25% -10%	10% 6%

(1)	Only available for Series B contracts.

Item 31A. Non-Variable Annuities [Line Items]

Non-variable Annuities [Table Text Block]

(a)	For any Contract with Index-Linked Options and/or Fixed Options subject to a Contract Adjustment offered through this registration statement, provide the information required by the following table as of December 31 of the prior calendar year.

Name of the Contract

Number of
Contracts
Outstanding

Total value
attributable
to the Index-
Linked
Option

and/or Fixed
Option
subject to a
Contract
Adjustment

Number of
Contracts
sold during
the prior
calendar
year

Gross
premiums
received
during the
prior
calendar
year

Amount of
Contract
value
redeemed
during the
prior calendar
year

Combination
Contract
(Yes/No)

Structured Capital Strategies

5,138

600,669,031

4,174,714

126,699,374

Yes

Non-variable Annuities [Line Items]

Non-variable Annuities, Name

Structured Capital Strategies®

Non-variable Annuities, Number Outstanding | CONTRACTS

5,138

Non-variable Annuities, Total Value

$ 600,669,031

Non-variable Annuities, Number Sold | Year

Non-variable Annuities, Gross Premiums

$ 4,174,714

Non-variable Annuities, Value Redeemed

$ 126,699,374

Non-variable Annuities, Combination [Flag]

true

EQ/Core Bond Index [Member]

Variable Option [Line Items]

Portfolio Company Objective [Text Block]

Fixed Income

Portfolio Company Name [Text Block]

^[4]

EQ/Core Bond Index

Portfolio Company Adviser [Text Block]

Equitable Investment Management Group, LLC (“EIMG”)

Portfolio Company Subadviser [Text Block]

SSGA Funds Management, Inc.

Current Expenses [Percent]

^[5]

0.62%

Average Annual Total Returns, 1 Year [Percent]

6.43%

Average Annual Total Returns, 5 Years [Percent]

0.35%

Average Annual Total Returns, 10 Years [Percent]

1.70%

EQ/Equity 500 Index [Member]

Variable Option [Line Items]

Portfolio Company Objective [Text Block]

Equity

Portfolio Company Name [Text Block]

EQ/Equity 500 Index

Portfolio Company Adviser [Text Block]

EIMG

Portfolio Company Subadviser [Text Block]

AllianceBernstein L.P.

Current Expenses [Percent]

^[5]

0.53%

Average Annual Total Returns, 1 Year [Percent]

17.23%

Average Annual Total Returns, 5 Years [Percent]

13.79%

Average Annual Total Returns, 10 Years [Percent]

14.15%

EQ/Money Market [Member]

Variable Option [Line Items]

Portfolio Company Objective [Text Block]

Cash/Cash Equivalent

Portfolio Company Name [Text Block]

^[6]

EQ/Money Market

Portfolio Company Adviser [Text Block]

EIMG

Portfolio Company Subadviser [Text Block]

Dreyfus, a division of Mellon Investments Corporation

Current Expenses [Percent]

0.67%

Average Annual Total Returns, 1 Year [Percent]

3.66%

Average Annual Total Returns, 5 Years [Percent]

2.79%

Average Annual Total Returns, 10 Years [Percent]

1.73%

Standard Death Benefit [Member]

Item 10. Benefits Available [Line Items]

Name of Benefit [Text Block]

Standard Death Benefit

Purpose of Benefit [Text Block]

Guarantees beneficiaries will receive a benefit equal to your account value, including the withdrawal of advisory fees.

Standard Benefit [Flag]

true

Standard Benefit Expense, Maximum [Dollars]

$ 0

Brief Restrictions / Limitations [Text Block]

•

Available only at contract purchase

Name of Benefit [Text Block]

Standard Death Benefit

Transfer Fee [Member]

Item 4. Fee Table [Line Items]

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

Dollar Cap Averaging [Member]

Item 4. Fee Table [Line Items]

Optional Benefit Expense (of Benefit Base), Maximum [Percent]

0.00%

Item 10. Benefits Available [Line Items]

Name of Benefit [Text Block]

Dollar Cap
Averaging

Purpose of Benefit [Text Block]

Transfer account value to selected segment type holding accounts on a regular basis to potentially reduce the impact of market volatility.

Optional Benefit [Flag]

true

Optional Benefit Expense (of Benefit Base), Maximum [Percent]

0.00%

Brief Restrictions / Limitations [Text Block]

•

$25,000 minimum to begin program

Name of Benefit [Text Block]

Dollar Cap
Averaging

Buffer 10 [Member]

Index-Linked Option Details, Limits on Index Losses [Line Items]

Index-Linked Option Details, Current Limit on Index Losses [Percent]

10.00%

Buffer 30 [Member]

Index-Linked Option Details, Limits on Index Losses [Line Items]

Index-Linked Option Details, Current Limit on Index Losses [Percent]

30.00%

Risk of Loss [Member]

Item 3. Key Information [Line Items]

Risk [Text Block]

Yes.

The contract is subject to the risk of loss. You could lose some or all of your account value, depending on the investment options you choose.

The return on the Segments of the SIO may be negative and there is a risk of substantial loss of your principal and previously credited interest due to negative index performance because you agree to absorb all losses to the extent they exceed the Segment Buffer.

You could lose as much as 70% (for Segments with a -30% Segment Buffer) to 90% (for Segments with a -10% Segment Buffer) of your principal and previously credited interest due to negative index performance on the Segment Maturity Date. We may change the Indices and/or Segment Options in the future, but we will always offer a Segment Option with a Segment Buffer that protects the first 10% of loss. In the future, we may offer other Segment Options that do not provide any downside protection which would mean there is a risk of loss of the entire amount invested.

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

Item 5. Principal Risks [Line Items]

Principal Risk [Text Block]

Risk of Loss

Not Short Term Investment Risk [Member]

Item 3. Key Information [Line Items]

Risk [Text Block]

No.

The contract is not a short-term investment and is not appropriate for an investor who needs ready access to cash because the contract is designed to provide for the accumulation of retirement savings and income on a long-term basis. As such, you should not use the contract as a short-term investment or savings vehicle. A withdrawal charge may apply in certain circumstances and any withdrawals may also be subject to federal and state income taxes and tax penalties. Amounts removed from a Segment of the SIO prior to the Segment Maturity Date will not receive Index interest, and may result in a negative Segment Interim Value adjustment which could reduce the Segment Investment and death benefit by significantly more than the amount withdrawn.

On the Segment Maturity Date, the value of your maturing Segments will be reallocated according to your instructions on file, assuming that all participation requirements for those allocations are met, and those instructions may include allocations to different Segment Types or to the next available Segment of the same Segment Type. If you have not provided us with maturity instructions for a maturing Segment, then by default the Segment Maturity Value will be transferred to the same Segment Type as the maturing Segment. However, if the next Segment to be created in the Segment Type would have a Segment Maturity Date that is later than your contract maturity date or if that Segment Type has been terminated, we will instead transfer your Segment Maturity Value to the EQ/Money Market variable investment option.

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

Item 5. Principal Risks [Line Items]

Principal Risk [Text Block]

Not a Short-Term Investment

Investment Options Risk [Member]

Item 3. Key Information [Line Items]

Risk [Text Block]

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 (e.g., the Portfolios) and the SIO (e.g., the reference Indices). Each investment option available under the contract has its own unique risks. You should review the Portfolios and the Segments of the SIO available under the contract before making an investment decision.

The Performance Cap Rate of a Segment may limit your participation in positive returns on the Segment Maturity Date. For example, if the Index return is 12% and the Performance Cap Rate is 4%, we will credit 4% in interest on the Segment Maturity Date assuming there are no fees or charges assessed, meaning your Segment Investment will increase by 4%.

The Performance Cap Rate may cause your returns under the Segment to be lower than the Index’s returns.

For additional information about the risks associated with investment options see “Structured Investment Option”, “Variable investment options” and “Portfolios of the Trust” in “Purchasing the contract”, as well as, “Principal risks of investing in the contract” and Appendix “Investment Options available under the contract” in the Prospectus.

Index-Linked Option Risk [Member]

Item 5. Principal Risks [Line Items]

Principal Risk [Text Block]

Structured Investment Option

An investor is not invested in the Index or in the securities tracked by the Index.

Limiting Negative Returns (Segment Risk of Loss)

•

You could lose as much as 70% (for Segments with a

-30%

Segment Buffer) to 90% (for Segments with a

-10%

Segment Buffer) of your principal and previously credited interest due to negative index performance on the Segment Maturity Date.

We may change the Indices and/or Segment Options in the future, but we will always offer a Segment Option with a Segment Buffer that protects the first 10% of Loss.

In the future, we may offer other Segment Options that do not provide any downside protection which would mean there is a risk of loss of the entire amount invested.

—

For example, the

-10%

-30%

Segment Buffer, up to 80% of your principal and previously credited interest with a

-20%

Segment Buffer and up to 90% of your principal and previously credited interest with a

-10%

Segment Buffer. Each time you roll over your Segment Maturity Value into a new Segment you are subject to the same risk of loss as described above.

Limiting Positive Returns (Performance Cap Rates)

•

We will not open a Segment with a Performance Cap Rate below the applicable minimum rate

In some cases, we may decide not to declare a Performance Cap Rate for a Segment, in which case there is no maximum Segment Rate of Return for that Segment.

•

—

the associated Segment,

which may have a Performance Cap Rate that does not meet your investment objectives.

Example 1:

Example 2:

Assume you set a Performance Cap Threshold of 25% for the S&P 500 Price Return Index/5 year/-20% Standard Segment Type on March 1 and allocate $20,000 to the holding account for that Segment Type. If on the next Segment Start Date of March 15, we declare a Performance Cap Rate of 28% for the Segment, your $20,000 allocation will be transferred to that Segment. Assume you then allocate another $10,000 to the holding account for that Segment Type on March 20. Your existing Performance Cap Threshold of 25% remains in effect and will not expire until May 16. If on the next Segment Start Date of April 15 we declare a Performance Cap Rate of 22% for the Segment, your $10,000 allocation will

not be transferred to that Segment.

•

Segment Types with greater protection tend to have lower Performance Cap Rates than other similar Segment Types that use the same Index and duration but provide less protection.

Risks Related to Withdrawals (Segment Interim Value)

•

This loss will be greater if you also have to pay a withdrawal charge under a Series B contract, or if you have to pay taxes or tax penalties. See “Withdrawals and surrenders” below.

—

If you die, annuitize, cancel or surrender your contract before the Segment Maturity Date, we will pay the Segment Interim Value.

—

Risks Related to Segments, Segment Returns, and Segment Type Holding Accounts

•

We may, in our sole discretion, not offer certain Segments on one or more Segment Start Dates.

•

later), the transaction will trigger the Segment Interim Value and may be subject to withdrawal charges, taxes and tax penalties.

•

The amounts held in a Segment Type Holding Account may earn a return that is less than the return you might have earned if those amounts were held in another investment option.

•

Risk Related to Indices

•

investment risks associated with the Indices they track. Because the Indices are composed of other securities, they are subject to market risk and issuer risk.

•

Market Risk.

•

Large Cap Risk.

NASDAQ-100

Price Return Index are comprised of

large-cap

companies.

•

Small Cap Risk.

Price Return Index is comprised of

small-cap

companies.

—

Foreign Securities Risk.

—

Commodities Risk.

•

If you invest in a Segment that provides performance tied to the performance of the iShares

Dow Jones U.S. Real Estate Index Fund, you should consider the following:

—

The performance of the iShares

Dow Jones U.S. Real Estate Index Fund may not replicate the performance of, and may underperform the iShares

Dow Jones U.S. Real Estate Index (the “underlying index”). The price of the iShares

Dow Jones U.S. Real Estate Index Fund will reflect expenses and fees that will reduce its relative performance. Moreover, it is also possible that the iShares

—

The investment objective and strategies of the iShares

Dow Jones U.S. Real Estate Index Fund are potentially subject to change.

—

There are risks associated with the real estate industry. The iShares

•

If you invest in a Segment that provides performance tied to the performance of the Financial Select Sector SPDR

Fund, you should consider the following:

—

The performance of the Financial Select Sector SPDR

Fund may not replicate the performance of, and may underperform the Financial Select Sector Index (the “underlying index”). The price of the Financial Select Sector SPDR

Fund will reflect expenses and fees that will reduce its relative performance. Moreover, it is also possible that the Financial Select Sector SPDR

the performance of the Financial Select Sector SPDR

—

The investment objective and strategies of the Financial Select Sector SPDR Fund are potentially subject to change.

—

There are risks associated with the financial services sector. The Financial Select Sector SPDR

Fund invests in companies that operate in the financial services sector. Developments affecting the financial and capital markets may negatively impact the companies operating in these markets.

•

Past performance of an Index is not an indication of its future performance.

•

Choice Segment Risks.

Investments in Choice Segments are subject to application of the Choice cost. As a result:

—

The Segment Rate of Return for a Choice Segment will always be less than (a) the Performance Cap Rate and (b) the Index Performance Rate, if positive, for that Segment.

—

Insurance Company Risk [Member]

Item 3. Key Information [Line Items]

Risk [Text Block]

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 contract’s account value. The general obligations, including the SIO, and the death benefits, 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 https://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.

Item 5. Principal Risks [Line Items]

Principal Risk [Text Block]

Insurance Company Risk

Contract Changes Risk [Member]

Item 5. Principal Risks [Line Items]

Principal Risk [Text Block]

Contract Changes Risk

•

Variable Investment Options [Member]

Item 5. Principal Risks [Line Items]

Principal Risk [Text Block]

Variable Investment Options

•

The value of your variable investment options will fluctuate and you could lose some or all of your account value.

•

The level of risk you bear and your potential investment performance will differ depending on the investments you choose.

Withdrawals and Surrenders [Member]

Item 5. Principal Risks [Line Items]

Principal Risk [Text Block]

Withdrawals and Surrenders

•

Withdrawals and surrenders may be subject to withdrawal charges, income taxes, and tax penalties.

•

Withdrawals will reduce your account value and death benefit.

•

If your account value falls below the applicable minimum account size as a result of a withdrawal, the contract will terminate.

•

account value such as a withdrawal charge, transfer fee, third party transfer or exchange fee and/or a charge for any optional benefits.

•

Series ADV Contracts.

Series ADV contracts are only available through advisors who charge an advisory

fee

for their

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

Item 5. Principal Risks [Line Items]

Principal Risk [Text Block]

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

Availability by Financial Intermediary [Member]

Item 5. Principal Risks [Line Items]

Principal Risk [Text Block]

Availability by Financial Intermediary

Possible Adverse Tax Consequences [Member]

Item 5. Principal Risks [Line Items]

Principal Risk [Text Block]

Possible Adverse Tax Consequences

Withdrawals are generally subject to income tax and may be subject to tax penalties if taken before 59

⁄

SP 500 Price Return Index [Member]

Index-Linked Option Details, Options Currently Offered [Line Items]

Index-Linked Option Details, Features [Text Block]

S&P 500 Price Return Index.

Index-Linked Option Details, Crediting Methodology [Line Items]

Index-Linked Option Details, Index Return [Table Text Block]

Annual Return [Percent]

16.39%

23.31%

24.23%

(19.44%)

26.89%

16.26%

28.88%

(6.24%)

19.42%

9.54%

Annual Return, Example Capped and Buffered [Percent]

5.00%

(9.44%)

5.00%

0.00%

5.00%

Index-Linked Option Details, Price Return Index Underperforms [Text Block]

SP 500 Price Return Index [Member] | Standard [Member]

Index-Linked Option [Line Items]

Index-Linked Option Available, Name

^[7]

S&P 500 Price Return Index

Index-Linked Option Available, Type of Index

Market Index

Index-Linked Option Available, Crediting Methodology

Standard

SP 500 Price Return Index [Member] | Point To Point 5 Year Standard [Member]

Index-Linked Option [Line Items]

Index-Linked Option Available, Crediting Period

5 years

Index-Linked Option Available, Minimum Limit on Index Gain [Percent]

10.00%

SP 500 Price Return Index [Member] | Point To Point 3 Year Standard [Member]

Index-Linked Option [Line Items]

Index-Linked Option Available, Crediting Period

3 years

Index-Linked Option Available, Minimum Limit on Index Gain [Percent]

6.00%

SP 500 Price Return Index [Member] | Point To Point 1 Year Standard [Member]

Index-Linked Option [Line Items]

Index-Linked Option Available, Crediting Period

1 year

Index-Linked Option Available, Minimum Limit on Index Gain [Percent]

2.00%

SP 500 Price Return Index [Member] | Buffer 10 [Member] | Point To Point 5 Year Standard [Member]

Index-Linked Option [Line Items]

Index-Linked Option Available, Current Limit on Index Losses [Percent]

(10.00%)

SP 500 Price Return Index [Member] | Buffer 10 [Member] | Point To Point 3 Year Standard [Member]

Index-Linked Option [Line Items]

Index-Linked Option Available, Current Limit on Index Losses [Percent]

(10.00%)

SP 500 Price Return Index [Member] | Buffer 10 [Member] | Point To Point 1 Year Standard [Member]

Index-Linked Option [Line Items]

Index-Linked Option Available, Current Limit on Index Losses [Percent]

(10.00%)

SP 500 Price Return Index [Member] | Buffer 20 [Member] | Point To Point 5 Year Standard [Member]

Index-Linked Option [Line Items]

Index-Linked Option Available, Current Limit on Index Losses [Percent]

(20.00%)

SP 500 Price Return Index [Member] | Buffer 20 [Member] | Point To Point 3 Year Standard [Member]

Index-Linked Option [Line Items]

Index-Linked Option Available, Current Limit on Index Losses [Percent]

(20.00%)

SP 500 Price Return Index [Member] | Buffer 30 [Member] | Point To Point 5 Year Standard [Member]

Index-Linked Option [Line Items]

Index-Linked Option Available, Current Limit on Index Losses [Percent]

(30.00%)

Russell 2000 Price Return Index [Member]

Index-Linked Option Details, Options Currently Offered [Line Items]

Index-Linked Option Details, Features [Text Block]

Russell 2000

Price Return Index.

The Russell 2000

Price Return Index was established by Russell Investments. The Russell 2000

Price Return Index measures the performance of the

small-cap

segment of the U.S. equity universe. The Russell 2000

Price Return Index is a subset of the Russell 3000

Index-Linked Option Details, Crediting Methodology [Line Items]

Index-Linked Option Details, Index Return [Table Text Block]

Annual Return [Percent]

11.29%

10.02%

15.09%

(21.56%)

13.70%

18.36%

23.72%

(12.18%)

13.14%

19.48%

Annual Return, Example Capped and Buffered [Percent]

5.00%

(11.56%)

5.00%

(2.18%)

5.00%

Index-Linked Option Details, Price Return Index Underperforms [Text Block]

Russell 2000 Price Return Index [Member] | Standard [Member]

Index-Linked Option [Line Items]

Index-Linked Option Available, Name

^[7]

Russell 2000® Price Return Index

Index-Linked Option Available, Type of Index

Market Index

Index-Linked Option Available, Crediting Methodology

Standard

Russell 2000 Price Return Index [Member] | Point To Point 5 Year Standard [Member]

Index-Linked Option [Line Items]

Index-Linked Option Available, Crediting Period

5 years

Index-Linked Option Available, Minimum Limit on Index Gain [Percent]

10.00%

Russell 2000 Price Return Index [Member] | Point To Point 3 Year Standard [Member]

Index-Linked Option [Line Items]

Index-Linked Option Available, Crediting Period

3 years

Index-Linked Option Available, Minimum Limit on Index Gain [Percent]

6.00%

Russell 2000 Price Return Index [Member] | Point To Point 1 Year Standard [Member]

Index-Linked Option [Line Items]

Index-Linked Option Available, Crediting Period

1 year

Index-Linked Option Available, Minimum Limit on Index Gain [Percent]

2.00%

Russell 2000 Price Return Index [Member] | Buffer 10 [Member] | Point To Point 5 Year Standard [Member]

Index-Linked Option [Line Items]

Index-Linked Option Available, Current Limit on Index Losses [Percent]

(10.00%)

Russell 2000 Price Return Index [Member] | Buffer 10 [Member] | Point To Point 3 Year Standard [Member]

Index-Linked Option [Line Items]

Index-Linked Option Available, Current Limit on Index Losses [Percent]

(10.00%)

Russell 2000 Price Return Index [Member] | Buffer 10 [Member] | Point To Point 1 Year Standard [Member]

Index-Linked Option [Line Items]

Index-Linked Option Available, Current Limit on Index Losses [Percent]

(10.00%)

Russell 2000 Price Return Index [Member] | Buffer 20 [Member] | Point To Point 5 Year Standard [Member]

Index-Linked Option [Line Items]

Index-Linked Option Available, Current Limit on Index Losses [Percent]

(20.00%)

Russell 2000 Price Return Index [Member] | Buffer 20 [Member] | Point To Point 3 Year Standard [Member]

Index-Linked Option [Line Items]

Index-Linked Option Available, Current Limit on Index Losses [Percent]

(20.00%)

Russell 2000 Price Return Index [Member] | Buffer 30 [Member] | Point To Point 5 Year Standard [Member]

Index-Linked Option [Line Items]

Index-Linked Option Available, Current Limit on Index Losses [Percent]

(30.00%)

MSCI EAFE Price Return Index [Member]

Index-Linked Option Details, Options Currently Offered [Line Items]

Index-Linked Option Details, Features [Text Block]

MSCI EAFE Price Return Index.

Index-Linked Option Details, Crediting Methodology [Line Items]

Index-Linked Option Details, Index Return [Table Text Block]

Annual Return [Percent]

27.89%

1.15%

15.03%

(16.79%)

8.78%

5.43%

18.44%

(16.14%)

21.78%

(1.88%)

Annual Return, Example Capped and Buffered [Percent]

5.00%

1.15%

5.00%

(6.79%)

5.00%

(6.14%)

5.00%

0.00%

Index-Linked Option Details, Price Return Index Underperforms [Text Block]

MSCI EAFE Price Return Index [Member] | Standard [Member]

Index-Linked Option [Line Items]

Index-Linked Option Available, Name

^[7]

MSCI EAFE Price Return Index

Index-Linked Option Available, Type of Index

Market Index

Index-Linked Option Available, Crediting Period

1 year

Index-Linked Option Available, Crediting Methodology

Standard

Index-Linked Option Available, Minimum Limit on Index Gain [Percent]

2.00%

MSCI EAFE Price Return Index [Member] | Buffer 10 [Member] | Point To Point 1 Year Standard [Member]

Index-Linked Option [Line Items]

Index-Linked Option Available, Current Limit on Index Losses [Percent]

(10.00%)

NASDAQ100 Price Return Index [Member]

Index-Linked Option Details, Options Currently Offered [Line Items]

Index-Linked Option Details, Features [Text Block]

NASDAQ-100

Price Return

Index

Index-Linked Option Details, Crediting Methodology [Line Items]

Index-Linked Option Details, Index Return [Table Text Block]

Annual Return [Percent]

20.17%

24.88%

53.81%

(32.97%)

26.63%

47.58%

37.96%

(1.04%)

31.52%

5.89%

Annual Return, Example Capped and Buffered [Percent]

5.00%

(22.97%)

5.00%

0.00%

5.00%

Index-Linked Option Details, Price Return Index Underperforms [Text Block]

NASDAQ100 Price Return Index [Member] | Standard [Member]

Index-Linked Option [Line Items]

Index-Linked Option Available, Name

^[7]

NASDAQ-100 Price Return Index

Index-Linked Option Available, Type of Index

Market Index

Index-Linked Option Available, Crediting Methodology

Standard

Index-Linked Option Available, Minimum Limit on Index Gain [Percent]

2.00%

NASDAQ100 Price Return Index [Member] | Point To Point 1 Year Standard [Member]

Index-Linked Option [Line Items]

Index-Linked Option Available, Crediting Period

1 year

NASDAQ100 Price Return Index [Member] | Buffer 10 [Member] | Point To Point 1 Year Standard [Member]

Index-Linked Option [Line Items]

Index-Linked Option Available, Current Limit on Index Losses [Percent]

(10.00%)

MSCI Emerging Markets Price Return Index [Member]

Index-Linked Option Details, Options Currently Offered [Line Items]

Index-Linked Option Details, Features [Text Block]

MSCI Emerging Markets Price Return Index

Index-Linked Option Details, Crediting Methodology [Line Items]

Index-Linked Option Details, Index Return [Table Text Block]

Annual Return [Percent]

30.58%

5.05%

7.04%

(22.37%)

(4.59%)

15.84%

15.43%

(16.64%)

34.35%

8.58%

Annual Return, Example Capped and Buffered [Percent]

5.00%

12.37%

0.00%

5.00%

(6.64%)

5.00%

Index-Linked Option Details, Price Return Index Underperforms [Text Block]

MSCI Emerging Markets Price Return Index [Member] | Standard [Member]

Index-Linked Option [Line Items]

Index-Linked Option Available, Name

^[7]

MSCI Emerging Markets Price Return Index

Index-Linked Option Available, Type of Index

Market Index

Index-Linked Option Available, Crediting Methodology

Standard

Index-Linked Option Available, Minimum Limit on Index Gain [Percent]

2.00%

MSCI Emerging Markets Price Return Index [Member] | Point To Point 1 Year Standard [Member]

Index-Linked Option [Line Items]

Index-Linked Option Available, Crediting Period

1 year

MSCI Emerging Markets Price Return Index [Member] | Buffer 10 [Member] | Point To Point 1 Year Standard [Member]

Index-Linked Option [Line Items]

Index-Linked Option Available, Current Limit on Index Losses [Percent]

(10.00%)

iShares Dow Jones US Real Estate Index Fund [Member]

Index-Linked Option Details, Options Currently Offered [Line Items]

Index-Linked Option Details, Features [Text Block]

iShares

Dow Jones U.S. Real Estate Index Fund.

The iShares

Dow Jones U.S. Real Estate Index Fund is an exchange-traded fund. The performance of the iShares

Dow Jones U.S. Real Estate Index Fund may not replicate the performance of, and may underperform the underlying index. The price of the iShares

Dow Jones U.S. Real Estate Index Fund will reflect expenses and fees that will reduce its relative performance. Moreover, it is also possible that the iShares

Dow Jones U.S. Real Estate Index Segment is only based on the closing share price of the Index Fund. The iShares

If you would like to request additional information about the Index, contact the customer service group or your financial professional.

Index-Linked Option Details, Crediting Methodology [Line Items]

Index-Linked Option Details, Index Return [Table Text Block]

Annual Return [Percent]

0.89%

1.81%

8.58%

(27.51%)

35.60%

(7.98%)

24.21%

(7.49%)

5.29%

2.48%

Annual Return, Example Capped and Buffered [Percent]

0.89%

1.81%

5.00%

(17.51%)

5.00%

0.00%

5.00%

0.00%

5.00%

2.48%

Index-Linked Option Details, Price Return Index Underperforms [Text Block]

iShares Dow Jones US Real Estate Index Fund [Member] | Standard [Member]

Index-Linked Option [Line Items]

Index-Linked Option Available, Name

^[7]

iShares® Dow Jones U.S. Real Estate Index Fund

Index-Linked Option Available, Type of Index

Market Index

Index-Linked Option Available, Crediting Methodology

Standard

Index-Linked Option Available, Minimum Limit on Index Gain [Percent]

2.00%

iShares Dow Jones US Real Estate Index Fund [Member] | Point To Point 1 Year Standard [Member]

Index-Linked Option [Line Items]

Index-Linked Option Available, Crediting Period

1 year

iShares Dow Jones US Real Estate Index Fund [Member] | Buffer 10 [Member] | Point To Point 1 Year Standard [Member]

Index-Linked Option [Line Items]

Index-Linked Option Available, Current Limit on Index Losses [Percent]

(10.00%)

Financial Select Sector SPDR Fund [Member]

Index-Linked Option Details, Options Currently Offered [Line Items]

Index-Linked Option Details, Features [Text Block]

Financial Select Sector SPDR

Fund

. The Financial Select Sector SPDR

Fund Segment is only based on the closing share price of the Fund. The Financial Select Sector SPDR

Index-Linked Option Details, Crediting Methodology [Line Items]

Index-Linked Option Details, Index Return [Table Text Block]

Annual Return [Percent]

13.33%

28.54%

9.94%

12.42%

32.46%

(4.22%)

29.22%

(14.65%)

20.04%

20.15%

Annual Return, Example Capped and Buffered [Percent]

5.00%

(2.42%)

5.00%

0.00%

5.00%

(4.65%)

5.00%

Index-Linked Option Details, Price Return Index Underperforms [Text Block]

Financial Select Sector SPDR Fund [Member] | Standard [Member]

Index-Linked Option [Line Items]

Index-Linked Option Available, Name

^[7]

Financial Select Sector SPDR® Fund

Index-Linked Option Available, Type of Index

Market Index

Index-Linked Option Available, Crediting Methodology

Standard

Index-Linked Option Available, Minimum Limit on Index Gain [Percent]

2.00%

Financial Select Sector SPDR Fund [Member] | Point To Point 1 Year Standard [Member]

Index-Linked Option [Line Items]

Index-Linked Option Available, Crediting Period

1 year

Financial Select Sector SPDR Fund [Member] | Buffer 10 [Member] | Point To Point 1 Year Standard [Member]

Index-Linked Option [Line Items]

Index-Linked Option Available, Current Limit on Index Losses [Percent]

(10.00%)

Gold Index [Member]

Index-Linked Option Details, Options Currently Offered [Line Items]

Index-Linked Option Details, Features [Text Block]

Gold Index.

Index-Linked Option Details, Crediting Methodology [Line Items]

Index-Linked Option Details, Index Return [Table Text Block]

Annual Return [Percent]

67.41%

25.53%

14.59%

0.44%

(4.33%)

24.61%

18.43%

(0.93%)

12.66%

8.10%

Annual Return, Example Capped and Buffered [Percent]

5.00%

0.44%

0.00%

5.00%

0.00%

5.00%

Index-Linked Option Details, Price Return Index Underperforms [Text Block]

Gold Index [Member] | Standard [Member]

Index-Linked Option [Line Items]

Index-Linked Option Available, Name

^[7]

Gold Index

Index-Linked Option Available, Type of Index

Market Index

Index-Linked Option Available, Crediting Methodology

Standard

Index-Linked Option Available, Minimum Limit on Index Gain [Percent]

2.00%

Gold Index [Member] | Point To Point 1 Year Standard [Member]

Index-Linked Option [Line Items]

Index-Linked Option Available, Crediting Period

1 year

Gold Index [Member] | Buffer 10 [Member] | Point To Point 1 Year Standard [Member]

Index-Linked Option [Line Items]

Index-Linked Option Available, Current Limit on Index Losses [Percent]

(10.00%)

Oil Index [Member]

Index-Linked Option Details, Options Currently Offered [Line Items]

Index-Linked Option Details, Features [Text Block]

Oil Index

Index-Linked Option Details, Crediting Methodology [Line Items]

Index-Linked Option Details, Index Return [Table Text Block]

Annual Return [Percent]

(19.94%)

0.10%

(10.73%)

6.71%

55.01%

(20.54%)

34.46%

(24.84%)

12.47%

45.03%

Annual Return, Example Capped and Buffered [Percent]

(9.94%)

0.10%

(0.73%)

5.00%

(10.54%)

5.00%

(14.84%)

5.00%

Index-Linked Option Details, Price Return Index Underperforms [Text Block]

Oil Index [Member] | Standard [Member]

Index-Linked Option [Line Items]

Index-Linked Option Available, Name

^[7]

Oil Index

Index-Linked Option Available, Type of Index

Market Index

Index-Linked Option Available, Crediting Methodology

Standard

Index-Linked Option Available, Minimum Limit on Index Gain [Percent]

2.00%

Oil Index [Member] | Point To Point 1 Year Standard [Member]

Index-Linked Option [Line Items]

Index-Linked Option Available, Crediting Period

1 year

Oil Index [Member] | Buffer 10 [Member] | Point To Point 1 Year Standard [Member]

Index-Linked Option [Line Items]

Index-Linked Option Available, Current Limit on Index Losses [Percent]

(10.00%)

Choice SP 500 Price Return Index [Member] | Choice [Member]

Index-Linked Option [Line Items]

Index-Linked Option Available, Name

^[7]

Choice S&P 500 Price Return Index

Index-Linked Option Available, Type of Index

Market Index

Index-Linked Option Available, Crediting Methodology

Choice

Choice SP 500 Price Return Index [Member] | Point To Point 3 Year Choice [Member]

Index-Linked Option [Line Items]

Index-Linked Option Available, Crediting Period

3 years

Index-Linked Option Available, Minimum Limit on Index Gain [Percent]

6.00%

Choice SP 500 Price Return Index [Member] | Point To Point 5 Year Choice [Member]

Index-Linked Option [Line Items]

Index-Linked Option Available, Crediting Period

^[8]

5 years

Index-Linked Option Available, Minimum Limit on Index Gain [Percent]

10.00%

Choice SP 500 Price Return Index [Member] | Buffer 10 [Member] | Point To Point 3 Year Choice [Member]

Index-Linked Option [Line Items]

Index-Linked Option Available, Current Limit on Index Losses [Percent]

(10.00%)

Choice SP 500 Price Return Index [Member] | Buffer 10 [Member] | Point To Point 5 Year Choice [Member]

Index-Linked Option [Line Items]

Index-Linked Option Available, Current Limit on Index Losses [Percent]

(10.00%)

Choice SP 500 Price Return Index [Member] | Buffer 15 [Member] | Point To Point 5 Year Choice [Member]

Index-Linked Option [Line Items]

Index-Linked Option Available, Current Limit on Index Losses [Percent]

(15.00%)

Choice SP 500 Price Return Index [Member] | Buffer 25 [Member] | Point To Point 5 Year Choice [Member]

Index-Linked Option [Line Items]

Index-Linked Option Available, Current Limit on Index Losses [Percent]

(25.00%)

Choice Russell 2000 Price Return Index [Member] | Choice [Member]

Index-Linked Option [Line Items]

Index-Linked Option Available, Name

^[7]

Choice Russell 2000® Price Return Index

Index-Linked Option Available, Type of Index

Market Index

Index-Linked Option Available, Crediting Methodology

Choice

Choice Russell 2000 Price Return Index [Member] | Point To Point 3 Year Choice [Member]

Index-Linked Option [Line Items]

Index-Linked Option Available, Crediting Period

3 years

Index-Linked Option Available, Minimum Limit on Index Gain [Percent]

6.00%

Choice Russell 2000 Price Return Index [Member] | Point To Point 5 Year Choice [Member]

Index-Linked Option [Line Items]

Index-Linked Option Available, Crediting Period

^[8]

5 years

Index-Linked Option Available, Minimum Limit on Index Gain [Percent]

10.00%

Choice Russell 2000 Price Return Index [Member] | Buffer 10 [Member] | Point To Point 3 Year Choice [Member]

Index-Linked Option [Line Items]

Index-Linked Option Available, Current Limit on Index Losses [Percent]

(10.00%)

Choice Russell 2000 Price Return Index [Member] | Buffer 10 [Member] | Point To Point 5 Year Choice [Member]

Index-Linked Option [Line Items]

Index-Linked Option Available, Current Limit on Index Losses [Percent]

(10.00%)

Choice Russell 2000 Price Return Index [Member] | Buffer 15 [Member] | Point To Point 5 Year Choice [Member]

Index-Linked Option [Line Items]

Index-Linked Option Available, Current Limit on Index Losses [Percent]

(15.00%)

Choice Russell 2000 Price Return Index [Member] | Buffer 25 [Member] | Point To Point 5 Year Choice [Member]

Index-Linked Option [Line Items]

Index-Linked Option Available, Current Limit on Index Losses [Percent]

(25.00%)

Series B [Member]

Item 3. Key Information [Line Items]

Surrender Charge Phaseout Period, Years | yr

Surrender Charge (of Purchase Payments) Maximum [Percent]

5.00%

Surrender Charge Example Maximum [Dollars]

$ 5,000

Item 4. Fee Table [Line Items]

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

0.00%

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

^[9]

5.00%

Contract Adjustment, Maximum Potential Loss Over Value at Start of Crediting Period [Percent]

100.00%

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

^[10]

1.25%

Series B [Member] | EQ/Core Bond Index [Member]

Item 4. Fee Table [Line Items]

Surrender Expense, 1 Year, Maximum [Dollars]

$ 6,869

Surrender Expense, 3 Years, Maximum [Dollars]

10,784

Surrender Expense, 5 Years, Maximum [Dollars]

12,949

Surrender Expense, 10 Years, Maximum [Dollars]

21,556

Annuitized Expense, 1 Year, Maximum [Dollars]

6,869

Annuitized Expense, 3 Years, Maximum [Dollars]

10,784

Annuitized Expense, 5 Years, Maximum [Dollars]

12,949

Annuitized Expense, 10 Years, Maximum [Dollars]

21,556

No Surrender Expense, 1 Year, Maximum [Dollars]

1,869

No Surrender Expense, 3 Years, Maximum [Dollars]

5,784

No Surrender Expense, 5 Years, Maximum [Dollars]

9,949

No Surrender Expense, 10 Years, Maximum [Dollars]

21,556

Series B [Member] | EQ/Equity 500 Index [Member]

Item 4. Fee Table [Line Items]

Surrender Expense, 1 Year, Maximum [Dollars]

6,964

Surrender Expense, 3 Years, Maximum [Dollars]

11,071

Surrender Expense, 5 Years, Maximum [Dollars]

13,432

Surrender Expense, 10 Years, Maximum [Dollars]

22,547

Annuitized Expense, 1 Year, Maximum [Dollars]

6,964

Annuitized Expense, 3 Years, Maximum [Dollars]

11,071

Annuitized Expense, 5 Years, Maximum [Dollars]

13,432

Annuitized Expense, 10 Years, Maximum [Dollars]

22,547

No Surrender Expense, 1 Year, Maximum [Dollars]

1,964

No Surrender Expense, 3 Years, Maximum [Dollars]

6,071

No Surrender Expense, 5 Years, Maximum [Dollars]

10,432

No Surrender Expense, 10 Years, Maximum [Dollars]

22,547

Series B [Member] | EQ/Money Market [Member]

Item 4. Fee Table [Line Items]

Surrender Expense, 1 Year, Maximum [Dollars]

7,016

Surrender Expense, 3 Years, Maximum [Dollars]

11,230

Surrender Expense, 5 Years, Maximum [Dollars]

13,700

Surrender Expense, 10 Years, Maximum [Dollars]

23,094

Annuitized Expense, 1 Year, Maximum [Dollars]

7,016

Annuitized Expense, 3 Years, Maximum [Dollars]

11,230

Annuitized Expense, 5 Years, Maximum [Dollars]

13,700

Annuitized Expense, 10 Years, Maximum [Dollars]

23,094

No Surrender Expense, 1 Year, Maximum [Dollars]

2,016

No Surrender Expense, 3 Years, Maximum [Dollars]

6,230

No Surrender Expense, 5 Years, Maximum [Dollars]

10,700

No Surrender Expense, 10 Years, Maximum [Dollars]

23,094

Series B [Member] | Transfer Fee [Member]

Item 4. Fee Table [Line Items]

Other Transaction Fee, Current [Dollars]

^[11]

Series B [Member] | Special Service Charges [Member]

Item 4. Fee Table [Line Items]

Other Transaction Fee, Current [Dollars]

^[12]

$ 90

Series B [Member] | Choice Segments with 3year Segment Duration [Member]

Item 4. Fee Table [Line Items]

Other Annual Expense (of Average Account Value), Current [Percent]

^[13]

3.00%

Series B [Member] | Choice Segments with 5year Segment Duration [Member]

Item 4. Fee Table [Line Items]

Other Annual Expense (of Average Account Value), Current [Percent]

^[13]

5.00%

SeriesC [Member]

Item 4. Fee Table [Line Items]

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

0.00%

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

0.00%

Contract Adjustment, Maximum Potential Loss Over Value at Start of Crediting Period [Percent]

100.00%

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

^[10]

1.65%

SeriesC [Member] | EQ/Core Bond Index [Member]

Item 4. Fee Table [Line Items]

Surrender Expense, 1 Year, Maximum [Dollars]

$ 2,289

Surrender Expense, 3 Years, Maximum [Dollars]

7,055

Surrender Expense, 5 Years, Maximum [Dollars]

12,083

Surrender Expense, 10 Years, Maximum [Dollars]

25,894

Annuitized Expense, 1 Year, Maximum [Dollars]

2,289

Annuitized Expense, 3 Years, Maximum [Dollars]

7,055

Annuitized Expense, 5 Years, Maximum [Dollars]

12,083

Annuitized Expense, 10 Years, Maximum [Dollars]

25,894

No Surrender Expense, 1 Year, Maximum [Dollars]

2,289

No Surrender Expense, 3 Years, Maximum [Dollars]

7,055

No Surrender Expense, 5 Years, Maximum [Dollars]

12,083

No Surrender Expense, 10 Years, Maximum [Dollars]

25,894

SeriesC [Member] | EQ/Equity 500 Index [Member]

Item 4. Fee Table [Line Items]

Surrender Expense, 1 Year, Maximum [Dollars]

2,384

Surrender Expense, 3 Years, Maximum [Dollars]

7,339

Surrender Expense, 5 Years, Maximum [Dollars]

12,558

Surrender Expense, 10 Years, Maximum [Dollars]

26,846

Annuitized Expense, 1 Year, Maximum [Dollars]

2,384

Annuitized Expense, 3 Years, Maximum [Dollars]

7,339

Annuitized Expense, 5 Years, Maximum [Dollars]

12,558

Annuitized Expense, 10 Years, Maximum [Dollars]

26,846

No Surrender Expense, 1 Year, Maximum [Dollars]

2,384

No Surrender Expense, 3 Years, Maximum [Dollars]

7,339

No Surrender Expense, 5 Years, Maximum [Dollars]

12,558

No Surrender Expense, 10 Years, Maximum [Dollars]

26,846

SeriesC [Member] | EQ/Money Market [Member]

Item 4. Fee Table [Line Items]

Surrender Expense, 1 Year, Maximum [Dollars]

2,436

Surrender Expense, 3 Years, Maximum [Dollars]

7,497

Surrender Expense, 5 Years, Maximum [Dollars]

12,821

Surrender Expense, 10 Years, Maximum [Dollars]

27,372

Annuitized Expense, 1 Year, Maximum [Dollars]

2,436

Annuitized Expense, 3 Years, Maximum [Dollars]

7,497

Annuitized Expense, 5 Years, Maximum [Dollars]

12,821

Annuitized Expense, 10 Years, Maximum [Dollars]

27,372

No Surrender Expense, 1 Year, Maximum [Dollars]

2,436

No Surrender Expense, 3 Years, Maximum [Dollars]

7,497

No Surrender Expense, 5 Years, Maximum [Dollars]

12,821

No Surrender Expense, 10 Years, Maximum [Dollars]

27,372

SeriesC [Member] | Transfer Fee [Member]

Item 4. Fee Table [Line Items]

Other Transaction Fee, Current [Dollars]

^[11]

SeriesC [Member] | Special Service Charges [Member]

Item 4. Fee Table [Line Items]

Other Transaction Fee, Current [Dollars]

^[12]

$ 90

SeriesC [Member] | Choice Segments with 3year Segment Duration [Member]

Item 4. Fee Table [Line Items]

Other Annual Expense (of Average Account Value), Current [Percent]

^[13]

3.00%

SeriesC [Member] | Choice Segments with 5year Segment Duration [Member]

Item 4. Fee Table [Line Items]

Other Annual Expense (of Average Account Value), Current [Percent]

^[13]

5.00%

SeriesADV [Member]

Item 4. Fee Table [Line Items]

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

0.00%

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

0.00%

Contract Adjustment, Maximum Potential Loss Over Value at Start of Crediting Period [Percent]

100.00%

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

^[10]

0.65%

SeriesADV [Member] | EQ/Core Bond Index [Member]

Item 4. Fee Table [Line Items]

Surrender Expense, 1 Year, Maximum [Dollars]

$ 1,239

Surrender Expense, 3 Years, Maximum [Dollars]

3,859

Surrender Expense, 5 Years, Maximum [Dollars]

6,679

Surrender Expense, 10 Years, Maximum [Dollars]

14,712

Annuitized Expense, 1 Year, Maximum [Dollars]

1,239

Annuitized Expense, 3 Years, Maximum [Dollars]

3,859

Annuitized Expense, 5 Years, Maximum [Dollars]

6,679

Annuitized Expense, 10 Years, Maximum [Dollars]

14,712

No Surrender Expense, 1 Year, Maximum [Dollars]

1,239

No Surrender Expense, 3 Years, Maximum [Dollars]

3,859

No Surrender Expense, 5 Years, Maximum [Dollars]

6,679

No Surrender Expense, 10 Years, Maximum [Dollars]

14,712

SeriesADV [Member] | EQ/Equity 500 Index [Member]

Item 4. Fee Table [Line Items]

Surrender Expense, 1 Year, Maximum [Dollars]

1,334

Surrender Expense, 3 Years, Maximum [Dollars]

4,149

Surrender Expense, 5 Years, Maximum [Dollars]

7,175

Surrender Expense, 10 Years, Maximum [Dollars]

15,765

Annuitized Expense, 1 Year, Maximum [Dollars]

1,334

Annuitized Expense, 3 Years, Maximum [Dollars]

4,149

Annuitized Expense, 5 Years, Maximum [Dollars]

7,175

Annuitized Expense, 10 Years, Maximum [Dollars]

15,765

No Surrender Expense, 1 Year, Maximum [Dollars]

1,334

No Surrender Expense, 3 Years, Maximum [Dollars]

4,149

No Surrender Expense, 5 Years, Maximum [Dollars]

7,175

No Surrender Expense, 10 Years, Maximum [Dollars]

15,765

SeriesADV [Member] | EQ/Money Market [Member]

Item 4. Fee Table [Line Items]

Surrender Expense, 1 Year, Maximum [Dollars]

1,386

Surrender Expense, 3 Years, Maximum [Dollars]

4,310

Surrender Expense, 5 Years, Maximum [Dollars]

7,449

Surrender Expense, 10 Years, Maximum [Dollars]

16,346

Annuitized Expense, 1 Year, Maximum [Dollars]

1,386

Annuitized Expense, 3 Years, Maximum [Dollars]

4,310

Annuitized Expense, 5 Years, Maximum [Dollars]

7,449

Annuitized Expense, 10 Years, Maximum [Dollars]

16,346

No Surrender Expense, 1 Year, Maximum [Dollars]

1,386

No Surrender Expense, 3 Years, Maximum [Dollars]

4,310

No Surrender Expense, 5 Years, Maximum [Dollars]

7,449

No Surrender Expense, 10 Years, Maximum [Dollars]

16,346

SeriesADV [Member] | Transfer Fee [Member]

Item 4. Fee Table [Line Items]

Other Transaction Fee, Current [Dollars]

^[11]

SeriesADV [Member] | Special Service Charges [Member]

Item 4. Fee Table [Line Items]

Other Transaction Fee, Current [Dollars]

^[12]

$ 90

SeriesADV [Member] | Choice Segments with 3year Segment Duration [Member]

Item 4. Fee Table [Line Items]

Other Annual Expense (of Average Account Value), Current [Percent]

^[13]

3.00%

SeriesADV [Member] | Choice Segments with 5year Segment Duration [Member]

Item 4. Fee Table [Line Items]

Other Annual Expense (of Average Account Value), Current [Percent]

^[13]

5.00%

Annual Portfolio Expenses prior to Expense Limitation Arrangement [Member]

Item 4. Fee Table [Line Items]

Portfolio Company Expenses [Text Block]

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)

Portfolio Company Expenses Minimum [Percent]

0.54%

Portfolio Company Expenses Maximum [Percent]

0.68%

[1]	Expressed as an annual percentage of daily net assets in the variable investment options. This fee does not apply to amounts held in a Segment.
[2]	On a non-guaranteed basis, we may waive any portion of the base contract fee as it applies to the EQ/Money Market variable investment option (including any amounts in the dollar cap averaging account) to the extent that the fee exceeds the income distributed by the underlying EQ/Money Market Portfolio. This waiver is limited to the base contract fee, and it is not a fee waiver or performance guarantee for the underlying EQ/Money Market Portfolio. See “Base Contract fee” in “Charges and expenses”.
[3]	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.
[4]	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.
[5]	This Portfolio’s annual expenses reflect temporary fee reductions.
[6]	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.
[7]	The Index is a “price return” index, not a “total return” index, and therefore the performance of the Index does not reflect dividends declared by any of the companies included in the Index, reducing the Index return. As a result, the Index will underperform a direct investment in the securities composing the Index.
[8]	Only available for Series B contracts.
[9]	The charge percentage we use is determined by the number of years since receipt of the contribution to which the charge relates if you make a withdrawal, surrender your contract to receive its cash value, or, if offered, surrender your contract to apply your cash value to a non-life contingent annuity payment option.
[10]	On a non-guaranteed basis, we may waive any portion of the base contract fee as it applies to the EQ/Money Market variable investment option (including any amounts in the dollar cap averaging account) to the extent that the fee exceeds the income distributed by the underlying EQ/Money Market Portfolio. This waiver is limited to the base contract fee, and it is not a fee waiver or performance guarantee for the underlying EQ/Money Market Portfolio. See “Variable Investment Option fee” in “Charges and expenses”.
[11]	Currently, we do not charge for transfers among investment options under the contract. However, we reserve the right to charge for transfers among the variable investment options in excess of 12 transfers per contract year. We will charge no more than $35 for each transfer at the time each transfer is processed. See “Transfer charge” under “Charges that the Company deducts” in “Charges, Expenses, and Adjustments”. We will not count transfers from Segment Type Holding Accounts into Segments on a Segment Start Date, or the allocation of Segment Maturity Value on a Segment Maturity Date in calculating the number of transfers subject to this charge.
[12]	Special service charges include (1) express mail charge; (2) wire transfer charge; (3) duplicate contract charge; and (4) check preparation charge. The current maximum charge for each service is $90. These charges may increase over time to cover our administrative costs. We may discontinue these services at any time. The duplicate contract charge is currently waived.
[13]	Applicable to the Choice Segments only. Equal to 1% of the Segment Investment for each year of the Segment Duration. On the Segment Maturity Date, we deduct the Choice cost from the Index Performance Rate of a Choice Segment, but only if the Index Performance Rate is positive for that Segment. Additionally, if the Index Performance Rate is positive for a Choice Segment but less than the applicable Choice cost, the Choice cost deducted will be the maximum amount that will not cause the Segment Maturity Value to be less than the Segment Investment. The Segment Interim Value for a Choice Segment will reflect the application of a portion of the Choice cost, as described in more detail in the SAI. Please note that if, on a Segment Start Date, we determine that the Performance Cap Rate for a Choice Segment will not exceed the Performance Cap Rate for a comparable Standard Segment (i.e., with the same Index, Segment Duration, Segment Buffer and Segment Start Date) by an amount that is at least equal to the Choice cost, we will waive the Choice cost and declare a Performance Cap Rate for the Choice Segment that is equal to the Performance Cap Rate for the Standard Segment.

Adjustments

Series ADV

SIO Segment Maximum Potential Loss Due to Segment Interim Value adjustment (as a percentage of account value invested in the Segment on the Segment Start Date)
(1)