N-4

May 01, 2026

Prospectus:

EX-99.4R HISTORIC

Entity Registrant Name

EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA

Entity Central Index Key

0002038891

Entity Investment Company Type

N-4

Document Period End Date

Dec. 31, 2025

false

Non-variable Annuities [Line Items]

Non-variable Annuities [Text Block]

HISTORICAL CURRENT LIMITS on INDEX GAINS

For The Year Ended December 31, 2025

Structured Capital Strategies 16 ADV Shares


		01/02/2025		01/16/2025		02/06/2025		02/20/2025		03/06/2025		03/20/2025		04/03/2025		04/17/2025		05/01/2025		05/15/2025		06/05/2025		06/18/2025
MSCI EAFE 1 Year -10% Buffer		11.7		11.5		9.7		10		10		10		10.4		10.9		9.1		9.2		8.8		8.2
S&P 500 5 Year -10% Buffer		33						28		32		31		32		35		30		30		27		29
MSCI EM 1 Year -10% Buffer		11.6		11		9.6		10		10.4		10.3		10.4		13		11.4		10.7		7.7		9.8
Financial SPDR 1 Year - 10% Buffer		9.8		9.4		8.5		8.8		9.7		9.8		11.1		12.6		11		9.1		8.9		9.2
Energy SPDR Index 1 Year -10% Buffer		18.1		17.3		16.9		16.5		18		16.1		16.9		23		22.2		18.3		16		21.8
Russell 2000 3 Year -10% Buffer												27		30								25		26
Russell 2000 3 Year -20% Buffer		18		19		18		18		20		20		21				20		22		18		19
S&P 500 5 Year -30% Buffer														21		23								20
S&P 500 3 Year -20% Buffer		15		14		14		14		16		15		15		18		16		15		15		15
Russell 2000 1 Year -10% Buffer		12.7		13.7		12.4		12.2		13.2		13		14.9		16.8		14.4		13.1		12.1		12.5


		01/02/2025		01/16/2025		02/06/2025		02/20/2025		03/06/2025		03/20/2025		04/03/2025		04/17/2025		05/01/2025		05/15/2025		06/05/2025		06/18/2025
S&P 500 1 Year -10% Buffer		8.5		8.7		8.2		8.1		8.8		8.7		9.9		12.1		10.2		9.1		8.4		8.6
S&P 500 5 Year -20% Buffer						23				26		25		26		28		24				22		23
Russell 2000 5 Year -20% Buffer						27				31				30				29				25		29
Russell 2000 5 Year -30% Buffer
NASDAQ 100 1 Year -10% Buffer		11.9		11.5		10.8		10.8		12		11.6		12.9		15.6		14.2		12.1		10.1		11.7
DJ US REIT 1 Year -10% Buffer		14.7		13.5		14.4		13.7		13.4		13.5		14		16.8		13.7		14.4		16.7		15.6
MSCI EAFE 3 Year -10% Buffer		29						22						27				24		23		22		21
Gold SPDR Index 1 year -10% Buffer		5.6		7.5		8		8		6.9		7.3		7.2		10.4		8.8		9.1		6.3
Russell 2000 5 Year -10% Buffer								33		39		38		39		40						33		36
S&P 500 3 Year -10% Buffer		20				18		18		20		20		21		24		21		20		18		19


		07/03/2025		07/17/2025		08/07/2025		08/21/2025		09/04/2025		09/18/2025		10/02/2025		10/16/2025		11/06/2025		11/20/2025		12/04/2025
MSCI EAFE 1 Year -10% Buffer		7		8.2		9.1		7.1		7.9		8.3		7.7		9.3		8.1		8.8		10.2
S&P 500 5 Year -10% Buffer				29		27		29		30		32		30		30				34		34
MSCI EM 1 Year -10% Buffer		10.9		9.2		8.5		7.6		9.7		8.3		7.9		11.7		11.4		11.9		11.7
Financial SPDR 1 Year - 10% Buffer		11		10.7		9.4		9.7		9.4		10.4		8.9		12		11.4		14.6		10.6
Energy SPDR Index 1 Year -10% Buffer		16.7		18.1		15.6		17.6		19.1		18.3		15.3		20.8		21.1		24.2		21.3
Russell 2000 3 Year -10% Buffer		26		26		25		26		27		28		26		27				32		31
Russell 2000 3 Year -20% Buffer		19		19		17		18		19		20		19		19		22				22
S&P 500 5 Year -30% Buffer														20				21				23
S&P 500 3 Year -20% Buffer		15		14		13		14		15		15		15		15		16		17		17


		07/03/2025		07/17/2025		08/07/2025		08/21/2025		09/04/2025		09/18/2025		10/02/2025		10/16/2025		11/06/2025		11/20/2025		12/04/2025
Russell 2000 1 Year -10% Buffer		12		12.2		11.6		12.2		12.4		13		12.7		14.4		14.6		15.8		14.6
S&P 500 1 Year -10% Buffer		7.9		8.1		7.3		7.9		7.8		8		8.2		8.9		9.6		11.3		10
S&P 500 5 Year -20% Buffer				24		22		24						24						27		28
Russell 2000 5 Year -20% Buffer				29				28		29				28						34
Russell 2000 5 Year -30% Buffer														23				26
NASDAQ 100 1 Year -10% Buffer		10.8		10.6		9.4		10.3		10.1		10.3		11.4		12.3		17.6		14.7		17.4
DJ US REIT 1 Year -10% Buffer		18.9		17		14.2		11.6		13.2		14.2		11.3		4.1		17.4		40.9		23.7
MSCI EAFE 3 Year -10% Buffer		24				20		24		27		25		23		23		26		26		40
Gold SPDR Index 1 year -10% Buffer		6.7		7.5		6.3		6.8		7.3		7.1		7.5		9.8		10.1		13		12.2
Russell 2000 5 Year -10% Buffer				36		34						39								44		43
S&P 500 3 Year -10% Buffer				19		17		19		19		20		19		20		21		23		23


		01/02/2025		01/16/2025		02/06/2025		02/20/2025		03/06/2025		03/20/2025		04/03/2025		04/17/2025		05/01/2025		05/15/2025		06/05/2025		06/18/2025
MSCI EAFE 5 Year -30% Buffer		17		15		15		14		15		16		14		14		12		14		15		13
MSCI EAFE 1 Year -10% Buffer		9.8		9.4		8.3		8		8.2		8.4		9		9.2		7.7		7.5		6.8		6.5
MSCI EAFE 5 Year -20% Buffer		23		20		19		18		20		21		20		19		16		18		22		18
MSCI EAFE ETF Annual Lock 5 Yr -10% Buff		6.6		5.7		5.1		5.2		5.1		5.3		5.3		5.9		5.4		5.5		4.4		4.8
S&P 500 5 Year -10% Buffer		19		22		22		22		27		24		23		27		23		23		21		22
MSCI EM 1 Year -10% Buffer		9.5		9.4		8.7		8.4		8.8		8.5		8.5		11.2		9.7		9		7.2		8.3
Financial SPDR 1 Year - 10% Buffer		7.4		8.3		7.5		7.5		8.5		8.5		9.6		11.1		9.7		8.2		9.9		8.2
MSCI EAFE 5 Year -10% Buffer		32		27		26		24		27		29		28		26		23		26		25		26
Russell 2000 Annual Lock 5 Yr -10% Buff		6.7		7.3		7.1		7		7.3		7.3		7		8.1		7.3		7.3		6.8		7.4
Choice S&P 500 5 Yr - 15% Buffer		29		25		25		25				27		29		30		27		27		31		26
Energy SPDR Index 1 Year -10% Buffer		15.6		14.8		14.4		14		15.4		13.7		14.3		20.1		19.7		16.2		15.5		19.2
Choice Russell 2000 5 Yr - 10% Buffer		37				35						39				42
Russell 2000 3 Year -10% Buffer		19		20		20		19		22		22		24		25		23		24		20		21
Russell 2000 3 Year -20% Buffer		14		14		14		14		16		15		16		18		16		17		14		15
S&P 500 Annual Lock 5 Year -10% Buffer		5.7		6		5.8		6		6.2		6.4		6.3		7.3		6.5		6.4		5.7		6.3


		01/02/2025		01/16/2025		02/06/2025		02/20/2025		03/06/2025		03/20/2025		04/03/2025		04/17/2025		05/01/2025		05/15/2025		06/05/2025		06/18/2025
S&P 500 5 Year -30% Buffer		12		14		14		14		15		15		14		17		13		15		12		14
S&P 500 3 Year -20% Buffer		10		11		11		11		12		12		12		14		11		12		10		11
Russell 2000 1 Year -10% Buffer		11.7		11.6		10.7		10.6		11.8		11.5		13.1		15		12.7		11.4		10.4		11.2
S&P 500 1 Year -10% Buffer		7.3		7.5		7		6.9		7.7		7.5		8.7		10.9		9.1		7.9		7.3		7.5
S&P 500 5 Year -20% Buffer		15		18		17		17		19		18		18		21		17		18		16		17
Russell 2000 5 Year -20% Buffer		19		20		20		21		23		23		21		24		20		22		18		21
Choice Russell 2000 5 Yr - 25% Buffer		25		26		24				28				26		28		25		29		29		25
Russell 2000 5 Year -30% Buffer		17		17		16		16		19		18		17		19		16		19		16		16
NASDAQ 100 1 Year -10% Buffer		10.2		10		9.5		9.4		10.6		10.2		11.6		14.1		12.4		10.8		10		10
DJ US REIT 1 Year -10% Buffer		12		11.2		11.9		11.5		11.1		11.3		11.5		14.4		11.3		11.8		16.5		12.9
MSCI EAFE 3 Year -10% Buffer		22		18		18		16		18		19		19		19		17		17		18		15
Choice Russell 2000 5 Yr - 15% Buffer				31		29		29						33				32		36		36		31
Choice S&P 500 5 Yr - 25% Buffer		24		21		21				24		23		23		25		22		23		25		22
Gold SPDR Index 1 year -10% Buffer		5.5		6		6.3		6.3		5.2		5.6		5.6		8.4		6.9		7.2		6.7		6.5
Russell 2000 5 Year -10% Buffer		27		26		25		26		30		29		29		32		27		32		24		27
Choice S&P 500 5 Yr - 10% Buffer		35		32		32		32		37		34		35		37		33		34		36		33
S&P 500 3 Year -10% Buffer		16		15		14		14		17		16		17		19		17		16		16		16


		07/03/2025		07/17/2025		08/07/2025		08/21/2025		09/04/2025		09/18/2025		10/02/2025		10/16/2025		11/06/2025		11/20/2025		12/04/2025
MSCI EAFE 5 Year -30% Buffer		15		14		12		10		15		14		13		12		13		14		20
MSCI EAFE 1 Year -10% Buffer		5.2		6.7		5.4		5.9		6.4		6.9		5.9		7.7		6.8		7.4		8.5
MSCI EAFE 5 Year -20% Buffer		21		19		16		15		21		19		18		17		17		18		27
MSCI EAFE ETF Annual Lock 5 Yr -10% Buff		4.9		4.8		4.4		4.8		5.1		5		4.5		4.9		5.2		5.6		5.6
S&P 500 5 Year -10% Buffer		21		22		19		20		22		22		22		21		23		23		27
MSCI EM 1 Year -10% Buffer		9.2		7.7		7		6.4		8		6.8		6.6		9.9		9.7		10.3		9.9
Financial SPDR 1 Year - 10% Buffer		9.7		9.2		8.4		8.4		8.1		8.7		7.7		10.5		9.8		12.8		9.1
MSCI EAFE 5 Year -10% Buffer		30		28		20		21		31		29		26		26		24		27		40
Russell 2000 Annual Lock 5 Yr -10% Buff		7.2		7.1		6.6		6.9		7.1		7.2		6.6		7		7.7		8.3		8.1
Choice S&P 500 5 Yr - 15% Buffer		26		26		24		26		27		28		26						30		31
Energy SPDR Index 1 Year -10% Buffer		14.4		15.2		13.4		15.4		16.6		15.7		13.1		18.2		18.5		21.1		18.7
Choice Russell 2000 5 Yr - 10% Buffer				37				36		38		39		37				41		43
Russell 2000 3 Year -10% Buffer		21		21		19		20		21		22		21		22		24		26		25
Russell 2000 3 Year -20% Buffer		15		15		13		14		15		16		14		15		17		18		18
S&P 500 Annual Lock 5 Year -10% Buffer		6.3		6.2		5.8		6.1		6.4		6.3		5.9		6.2		6.2		6.8		6.7


		07/03/2025		07/17/2025		08/07/2025		08/21/2025		09/04/2025		09/18/2025		10/02/2025		10/16/2025		11/06/2025		11/20/2025		12/04/2025
S&P 500 5 Year -30% Buffer		13		14		11		14		13		14		13		13		14		16		17
S&P 500 3 Year -20% Buffer		11		11		10		10		11		12		11		12		12		14		14
Russell 2000 1 Year -10% Buffer		10.1		11		9.9		10.7		10.5		11		10.9		11.9		12.5		13.4		12.8
S&P 500 1 Year -10% Buffer		6.8		7		6.3		6.7		6.6		6.8		7		7.6		8.1		8.8		8.8
S&P 500 5 Year -20% Buffer		16		18		14		16		17		17		17		16		18		18		21
Russell 2000 5 Year -20% Buffer		19		21		18		20		20		23		20		21		23		23		26
Choice Russell 2000 5 Yr - 25% Buffer		25		25		23		24		25		27		24				28
Russell 2000 5 Year -30% Buffer		17		16		14		16		16		18		16		16		19		20
NASDAQ 100 1 Year -10% Buffer		8.7		9.4		8.1		8.7		8.6		8.9		9		10.7		11.1		12.2		15.5
DJ US REIT 1 Year -10% Buffer		15.6		13.5		11.5		9.3		10.5		11.4		9		3.2		13.4		31.7		18.5
MSCI EAFE 3 Year -10% Buffer		17		16		14		17		19		17		17		16		18		18		26
Choice Russell 2000 5 Yr - 15% Buffer		31		31		29														37
Choice S&P 500 5 Yr - 25% Buffer		22		22		19		22		22		23		22				23		25		25
Gold SPDR Index 1 year -10% Buffer		5.2		5.8		4.7		5.2		5.6		5.3		5.6		7.9		8.2		10.7		10
Russell 2000 5 Year -10% Buffer		25		27		25		26		28		29		27		28		30		33		33
Choice S&P 500 5 Yr - 10% Buffer		32		32		30		32		33		35		33		33		35		36		37
S&P 500 3 Year -10% Buffer		15		15		14		15		15		16		15		16		17		17		19


		01/02/2025		01/16/2025		02/06/2025		02/20/2025		03/06/2025		03/20/2025		04/03/2025		04/17/2025		05/01/2025		05/15/2025		06/05/2025		06/18/2025
MSCI EAFE 1 Year -10% Buffer		8.8		8.2		6.9		7.2		6.9		7.4		8.7		8		6.7		6.5		5.5		5.6
S&P 500 5 Year -10% Buffer		17		17		17		17		20		19		19				18
MSCI EM 1 Year -10% Buffer		8.7		8.3		8		7.3		7.7		6.9		7.3		10.1		8.6		7.9		8		7.3
Financial SPDR 1 Year - 10% Buffer		6.4		7.5		6.4		6.7		7.5		7.3		8.8		9.9		8.8		7.5		10.3		7.6
Energy SPDR Index 1 Year -10% Buffer		13.9		13.4		12.8		12.6		13.6		12.3		12.7		18.7		18.2		14.9		17.3		17.4
Russell 2000 3 Year -10% Buffer				17		16		16		19		18		20		22		19		21		16		18
Russell 2000 3 Year -20% Buffer		11		11		11		11		13		12		13		15		13		14		11		12
S&P 500 5 Year -30% Buffer		11		11								11								11				10
S&P 500 3 Year -20% Buffer		9		9		8		8		10		9		9		11		9		9		9		9
Russell 2000 1 Year -10% Buffer		10.6		10.4		9.5		9.9		10.6		10.4		11.8		13.7		11.5		10.3		9.3		9.8


		01/02/2025		01/16/2025		02/06/2025		02/20/2025		03/06/2025		03/20/2025		04/03/2025		04/17/2025		05/01/2025		05/15/2025		06/05/2025		06/18/2025
S&P 500 1 Year -10% Buffer		6.5		6.7		6.2		6.1		6.9		6.8		7.8		9.9		8.2		7.1		6.5		6.6
S&P 500 5 Year -20% Buffer		13						13				14						13
Russell 2000 5 Year -20% Buffer		16						15				17
Russell 2000 5 Year -30% Buffer				12								13
NASDAQ 100 1 Year -10% Buffer		9.3		9.1		8.5		8.5		9.7		9.3		10.5		12.9		11.2		9.7		9.9		9.3
DJ US REIT 1 Year -10% Buffer		10.4		9.7		10.2		10.1		9.6		9.9		9.9		12.8		9.8		10.5		14.4		11.1
MSCI EAFE 3 Year -10% Buffer										14		15						14				13		12
Gold SPDR Index 1 year -10% Buffer		4.5				5.2		5.1		4.2		4.6		4.6		7.1		5.7		6		6.2
Russell 2000 5 Year -10% Buffer				22		20		20										23
S&P 500 3 Year -10% Buffer		13		13		12		12		14		13		13		16		14		14		12		13


		07/03/2025		07/17/2025		08/07/2025		08/21/2025		09/04/2025		09/18/2025		10/02/2025		10/16/2025		11/06/2025		11/20/2025		12/04/2025
MSCI EAFE 1 Year -10% Buffer		4.1		5.5		5.3		5		5.4		5.9		4.8		6.7		5.9		6.5		7.5
S&P 500 5 Year -10% Buffer		18		17										18
MSCI EM 1 Year -10% Buffer		8.1		6.9		6		5.4		6.8		5.9		5.8		8.8		8.6		9.3		8.8
Financial SPDR 1 Year - 10% Buffer		8.7		7.9		7.4		7.5		7.3		7.7		6.9		9.1		8.6		11.3		8.2
Energy SPDR Index 1 Year -10% Buffer		12.9		13.3		11.9		14		15		14		11.5		16.6		16.6		18.9		16.9
Russell 2000 3 Year -10% Buffer		18		18				17		18						18		21		22		21
Russell 2000 3 Year -20% Buffer		12		12		10		11		12		13		11		12		14		15		14
S&P 500 5 Year -30% Buffer				10						10		11		10		10		11		12		13
S&P 500 3 Year -20% Buffer		9		9		7		9		9		9		9		9		10		11		11
Russell 2000 1 Year -10% Buffer		9.1		9.4		8.9		9.6		9.4		10.1		9.9		11.5		11.6		12.7		11.7


		07/03/2025		07/17/2025		08/07/2025		08/21/2025		09/04/2025		09/18/2025		10/02/2025		10/16/2025		11/06/2025		11/20/2025		12/04/2025
S&P 500 1 Year -10% Buffer		5.9		6.2		6.2		5.9		5.9		6		6.2		6.8		7.3		8		7.9
S&P 500 5 Year -20% Buffer				13				13						13				15
Russell 2000 5 Year -20% Buffer				16										15
Russell 2000 5 Year -30% Buffer
NASDAQ 100 1 Year -10% Buffer		8.5		8.4		7.5		8.1		7.9		8.1		8.9		9.8		11		12.1		14.1
DJ US REIT 1 Year -10% Buffer		13.5		11.5		9.9		8		9		9.7		7.7		2.7		11.3		26.6		15.5
MSCI EAFE 3 Year -10% Buffer		14		13						15		13		13		13
Gold SPDR Index 1 year -10% Buffer		4.2				3.7				4.5
Russell 2000 5 Year -10% Buffer		22		22										21
S&P 500 3 Year -10% Buffer		13		12		11		12		13		13		13		14		14		16		16