Fees and Expenses [Text Block]


FEES AND EXPENSES
Are There Charges or Adjustments for Early Withdrawals?				No. There is no contingent withdrawal charge if you surrender or withdraw money from the Certificate. For additional information about charges see “Charges and expenses” in this prospectus.
Are There Transaction Charges?				Yes. You may be charged for other transactions (if you elect an annuity payout option). For additional information about transaction charges see “Annuity administrative charge” and “Charges for state premium and other applicable taxes” in “Charges and expenses” in this prospectus.

Are There Ongoing Fees and Expenses?	Yes. The following tables describe the fees and expenses that you may pay each year, depending on the investment options 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.
	Annual Fee	Minimum	Maximum
	Base contract (1)	0.39%	0.39%
	Portfolio Company fees and expenses (2)	0.54%	1.38%
	Participant Service Charge (3)	$15.00	$30.00
	(1) Expressed as an annual percentage of average daily net assets in the variable investment options. The base contract expense includes an administrative charge (0.25%) and fund related other expenses (0.14%). The fund related other expenses vary by Fund and will fluctuate from year to year based on actual expenses. The fee of 0.14% represents the highest other expenses incurred by a Fund during the fiscal year ended December 31, 2025. These expenses are based on the expenses incurred during the fiscal year ended December 31, 2025. (2) Expressed as an annual percentage of average daily net assets in the Portfolios. Portfolio fees and expenses may be based, in part, on estimated amounts of such expenses. (3) We deduct this fee on a quarterly basis per participant. Because the Certificate is customizable, the choices you make affect how much you will pay. To help you understand the cost of owning your Certificate, 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 Certificate.


				Lowest Annual Cost $882		Highest Annual Cost $1,610
				Assumes: • Investment of $100,000 • 5% annual appreciation • Least expensive combination of the Base contract, Portfolio fees and expenses • No sales charges • No additional contributions, transfers or withdrawals		Assumes: • Investment of $100,000 • 5% annual appreciation • Most expensive combination of the Base contract, Portfolio fees and expenses • No sales charges • No additional contributions, transfers or withdrawals
				For additional information about ongoing fees and expenses see “Fee table” in this prospectus.

Charges for Early Withdrawals [Text Block]

No.

There is no contingent withdrawal charge if you surrender or withdraw money from the Certificate.

For additional information about charges see “Charges and expenses” in this prospectus.

Transaction Charges [Text Block]

Yes.

You may be charged for other transactions (if you elect an annuity payout option).

For additional information about transaction charges see “Annuity administrative charge” and “Charges for state premium and other applicable taxes” in “Charges and expenses” in this prospectus.

Ongoing Fees and Expenses [Table Text Block]

Are There Ongoing Fees and Expenses?	Yes. The following tables describe the fees and expenses that you may pay each year, depending on the investment options 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.
	Annual Fee	Minimum	Maximum
	Base contract (1)	0.39%	0.39%
	Portfolio Company fees and expenses (2)	0.54%	1.38%
	Participant Service Charge (3)	$15.00	$30.00
	(1) Expressed as an annual percentage of average daily net assets in the variable investment options. The base contract expense includes an administrative charge (0.25%) and fund related other expenses (0.14%). The fund related other expenses vary by Fund and will fluctuate from year to year based on actual expenses. The fee of 0.14% represents the highest other expenses incurred by a Fund during the fiscal year ended December 31, 2025. These expenses are based on the expenses incurred during the fiscal year ended December 31, 2025. (2) Expressed as an annual percentage of average daily net assets in the Portfolios. Portfolio fees and expenses may be based, in part, on estimated amounts of such expenses. (3) We deduct this fee on a quarterly basis per participant. Because the Certificate is customizable, the choices you make affect how much you will pay. To help you understand the cost of owning your Certificate, 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 Certificate.

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

0.39%

^[1]

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

0.39%

^[1]

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

0.54%

^[2]

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

1.38%

^[2]

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

Expressed as an annual percentage of average daily net assets in the variable investment options. The base contract expense includes an administrative charge (0.25%) and fund related other expenses (0.14%). The fund related other expenses vary by Fund and will fluctuate from year to year based on actual expenses. The fee of 0.14% represents the highest other expenses incurred by a Fund during the fiscal year ended December 31, 2025. These expenses are based on the expenses incurred during the fiscal year ended December 31, 2025.

Investment Options Footnotes [Text Block]

Expressed as an annual percentage of average daily net assets in the Portfolios. Portfolio fees and expenses may be based, in part, on estimated amounts of such expenses.

Lowest and Highest Annual Cost [Table Text Block]


				Lowest Annual Cost $882		Highest Annual Cost $1,610
				Assumes: • Investment of $100,000 • 5% annual appreciation • Least expensive combination of the Base contract, Portfolio fees and expenses • No sales charges • No additional contributions, transfers or withdrawals		Assumes: • Investment of $100,000 • 5% annual appreciation • Most expensive combination of the Base contract, Portfolio fees and expenses • No sales charges • No additional contributions, transfers or withdrawals
				For additional information about ongoing fees and expenses see “Fee table” in this prospectus.

Lowest Annual Cost [Dollars]

$ 882

Highest Annual Cost [Dollars]

$ 1,610

Risks [Table Text Block]


RISKS
Is There a Risk of Loss from Poor Performance?				Yes. The Certificate is subject to the risk of loss. You could lose some or all of your account value depending on the investment options you choose. For additional information about the risk of loss see “Principal risks of investing in the Certificate” in this prospectus.
Is this a Short-Term Investment?				No. The Certificate is not a short-term investment and is not appropriate for an investor who needs ready access to cash because it is designed to provide for the accumulation of retirement savings and income on a long-term basis. As such, you should not use the Certificate as a short-term investment or savings vehicle. Any withdrawals may be subject to federal and state income taxes and penalties. For additional information about the investment profile of the contract see “Fee table” in this prospectus.
What Are the Risks Associated with the Investment Options?				An investment in the Certificate is subject to the risk of poor investment performance and can vary depending on the performance of the investment options, including the fixed investment options, available under the Certificate, each of which has its own unique risks. You should review the investment options available under the Certificate before making an investment decision. For additional information about the risks associated with investment options see “Portfolios of the trust” in “Investment options” and Appendix: “Investment Options Available Under the Contract” in this prospectus.
What Are the Risks Related to the Insurance Company?				An investment in the Certificate is subject to the risks related to the Company. The Company is solely responsible to the Certificate owner for the Certificate’s account value. The general obligations under the Certificate, including the fixed investment options, 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 upon request by calling 1-800-789-7771. For additional information about insurance company risks see “About the general account” in “More information” in this prospectus.

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 variable investment options and to limit the number of variable investment options which you may select. Such rights include, among others, removing or substituting the Portfolios, combining any two or more variable investment options and transferring account value from any variable investment option to another variable investment option.

You may transfer accumulated amounts among the investment options under your contract at any time and in any amount, subject to certain transfer limitations described in this prospectus.

For more information see “About Separate Account No. 301” in “More information” in this prospectus.

Contributions and transfers into and out of the guaranteed interest option are limited.

For additional information about restrictions on the investment options see “Investment options” and “Guaranteed Interest Option” in “300+ Investment options” and “Transferring your money among investment options” in this prospectus.

Key Information, Benefit Restrictions [Text Block]

Yes.

The standard death benefit offered with the contract is available only at contract purchase. Withdrawals could significantly reduce or terminate the death benefit.

For additional information about the death benefit, see “Death Benefits” in “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 this prospectus.

Investment Professional Compensation [Text Block]

Some financial professionals may receive compensation for selling the Certificate, 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 certificates” in “More information” in this 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 Certificate if you determine, after comparing the features, fees, and risks of both contracts/certificates, as well as any fees or penalties to terminate your existing contract, that it is preferable to purchase the new contract rather than continue to own your existing Certificates.

Item 4. Fee Table [Line Items]

Item 4. Fee Table [Text Block]

Fee table

The following tables describe the fees and expenses that you will pay when enrolling in, 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 first table describes fees and expenses that you will pay at the time that you purchase the contract, surrender or make withdrawals from an investment option or the contract, or transfer account value between investment options. State premium taxes may also apply.


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

Administrative fee if you purchase an annuity payout option		$350

Withdrawal Charge		None
Transfer Fee		None

The next table describes the fees and expenses that you will pay

each year

during the time that you own the contract (not including underlying Trust portfolio fees and expenses).


Annual Contract Expenses

Base contract expenses ( expressed as an annual percentage) (1)		0.39%
Quarterly Participant Service Charge (2)		$7.50

(1)

The base contract expense includes an administrative charge (0.25%) and fund related other expenses (0.14%). The fund related other expenses vary by Fund and will fluctuate from year to year based on actual expenses. The fee of 0.14% represents the highest other expenses incurred by a Fund during the fiscal year ended December 31, 2025. These expenses may be higher or lower based on the expenses incurred by the Funds during the fiscal year ended December 31, 2025.

(2)

This charge is to reimburse us for certain administrative charges. For SEP and SIMPLE IRA, the charge is up to $15 per year. For regular IRA, Roth IRA and TSA Certificates, the minimum charge is $12 per year and the maximum charge is up to $30 per year. See “Participant service charge” in “Charges and expenses” in this prospectus for more information.

The next item shows the minimum and maximum total operating expenses charged by the 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
Expenses that are deducted from portfolio assets including management
fees, 12b-1 fees, service fees, and/or other expenses (1)	0.54%	1.38%

(1)	Annual portfolio expenses may be based, in part, on estimated amounts of such expenses. The expenses listed are for the year ended December 31, 2025.

Examples

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 fees and expenses.

Separate Account No.

301.

The examples assume all account value is allocated to the variable investment options. Your costs could differ from those shown below if you invest in the fixed investment options.

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 costs would be:


	1 year		3 years		5 years		10 years
If you surrender your contract at the end of the applicable time period	$1,857	$	5,692	$	9,766	$	21,102
If you annuitize at the end of the applicable time period	$2,207	$	6,042	$	10,116	$	21,452
If you do not surrender your contract	$1,857	$	5,692	$	9,766	$	21,102

Transaction Expenses [Table Text Block]


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

Administrative fee if you purchase an annuity payout option		$350

Withdrawal Charge		None
Transfer Fee		None

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

0.00%

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

0.00%

Transfer Fee, Current [Dollars]

$ 350

Other Transaction Fee, Current [Percent]

0.00%

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 underlying Trust portfolio fees and expenses).


Annual Contract Expenses

Base contract expenses ( expressed as an annual percentage) (1)		0.39%
Quarterly Participant Service Charge (2)		$7.50

(1)

(2)


Annual Portfolio Expenses	Minimum	Maximum
Expenses that are deducted from portfolio assets including management
fees, 12b-1 fees, service fees, and/or other expenses (1)	0.54%	1.38%

(1)	Annual portfolio expenses may be based, in part, on estimated amounts of such expenses. The expenses listed are for the year ended December 31, 2025.

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

0.39%

^[3]

Base Contract Expense, Footnotes [Text Block]

Other Annual Expense, Current [Dollars]

$ 7.5

^[4]

Other Annual Expense, Footnotes [Text Block]

Annual Portfolio Company Expenses [Table Text Block]


Annual Portfolio Expenses	Minimum	Maximum
Expenses that are deducted from portfolio assets including management
fees, 12b-1 fees, service fees, and/or other expenses (1)	0.54%	1.38%

(1)	Annual portfolio expenses may be based, in part, on estimated amounts of such expenses. The expenses listed are for the year ended December 31, 2025.

Portfolio Company Expenses [Text Block]

Expenses that are deducted from portfolio assets including managementfees,

12b-1

fees, service fees, and/or other expenses

Portfolio Company Expenses Minimum [Percent]

0.54%

^[5]

Portfolio Company Expenses Maximum [Percent]

1.38%

^[5]

Portfolio Company Expenses, Footnotes [Text Block]

Annual portfolio expenses may be based, in part, on estimated amounts of such expenses. The expenses listed are for the year ended December 31, 2025.

Surrender Example [Table Text Block]

Examples

Separate Account No.

301.

The examples assume all account value is allocated to the variable investment options. Your costs could differ from those shown below if you invest in the fixed investment options.


	1 year		3 years		5 years		10 years
If you surrender your contract at the end of the applicable time period	$1,857	$	5,692	$	9,766	$	21,102
If you annuitize at the end of the applicable time period	$2,207	$	6,042	$	10,116	$	21,452
If you do not surrender your contract	$1,857	$	5,692	$	9,766	$	21,102

Surrender Expense, 1 Year, Maximum [Dollars]

$ 1,857

Surrender Expense, 3 Years, Maximum [Dollars]

5,692

Surrender Expense, 5 Years, Maximum [Dollars]

9,766

Surrender Expense, 10 Years, Maximum [Dollars]

$ 21,102

Annuitize Example [Table Text Block]

Examples

Separate Account No.

301.

The examples assume all account value is allocated to the variable investment options. Your costs could differ from those shown below if you invest in the fixed investment options.


	1 year		3 years		5 years		10 years
If you surrender your contract at the end of the applicable time period	$1,857	$	5,692	$	9,766	$	21,102
If you annuitize at the end of the applicable time period	$2,207	$	6,042	$	10,116	$	21,452
If you do not surrender your contract	$1,857	$	5,692	$	9,766	$	21,102

Annuitized Expense, 1 Year, Maximum [Dollars]

$ 2,207

Annuitized Expense, 3 Years, Maximum [Dollars]

6,042

Annuitized Expense, 5 Years, Maximum [Dollars]

10,116

Annuitized Expense, 10 Years, Maximum [Dollars]

$ 21,452

No Surrender Example [Table Text Block]

Examples

Separate Account No.

301.

The examples assume all account value is allocated to the variable investment options. Your costs could differ from those shown below if you invest in the fixed investment options.


	1 year		3 years		5 years		10 years
If you surrender your contract at the end of the applicable time period	$1,857	$	5,692	$	9,766	$	21,102
If you annuitize at the end of the applicable time period	$2,207	$	6,042	$	10,116	$	21,452
If you do not surrender your contract	$1,857	$	5,692	$	9,766	$	21,102

No Surrender Expense, 1 Year, Maximum [Dollars]

$ 1,857

No Surrender Expense, 3 Years, Maximum [Dollars]

5,692

No Surrender Expense, 5 Years, Maximum [Dollars]

9,766

No Surrender Expense, 10 Years, Maximum [Dollars]

$ 21,102

Item 5. Principal Risks [Table Text Block]

Principal Risks of Investing in the Certificate

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

Risks Associated with Variable Investment Options

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

Insurance Company Risk

No company other than Equitable Financial Life Insurance Company has any legal responsibility to pay amounts that we owe under the Certificate. The general obligations and any Guaranteed benefits under the Certificate 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 Fees on Access to Account Value

We may apply fees (and you may incur possible tax consequences) if you access your account value during the accumulation period or surrender your contract.

Possible Adverse Tax Consequences

The tax considerations associated with the Certificate vary and can be complicated. The applicable tax rules can differ, depending on the type of plan. We cannot provide detailed information on all tax aspects of the Certificate. Moreover, the tax aspects that apply to a particular person’s Certificate 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 Certificates 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 Certificate. We cannot predict what, if any, legislation will actually be proposed or enacted. Before making contributions to your Certificate or taking other action related to your Certificate, you should consult with a

tax professional to determine the tax implications of an investment in, and payments received under, the Certificate.

Not a Short-Term Investment

The Certificate is not a short-term investment and is not appropriate for an investor who needs ready access to cash because the Certificate is designed to provide for the accumulation of retirement savings and income on a long-term basis. As such, you should not use the Certificate as a short-term investment or savings vehicle and you should consider whether investing in the Certificate is consistent with the purpose for which the investment is being considered.

Risk of Loss

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

Contract Changes Risk

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

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

Limitations on access to cash value through withdrawals

Withdrawals may be subject to income tax and may be subject to tax penalties if taken before age 59 1/2. Withdrawals will reduce your account value. Certain withdrawals may also terminate your Certificate.

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

We rely heavily on technology, including interconnected computer systems and data storage networks and digital communications, to conduct our business. Because our business is highly dependent upon the effective operation of our computer systems and those of our service providers and other business partners, our business is vulnerable to disruptions from utility outages, and susceptible to operational and information security risks resulting from information systems failure (e.g., hardware and software malfunctions), and cyberattacks. Cyberattacks may be systemic (e.g., affecting the internet, cloud services, or other infrastructure) or targeted (e.g., failures in or breach of our systems or those of third parties on whom we rely, including ransomware and malware attacks). Cybersecurity risks include, among other things, the loss, theft, misuse, corruption and destruction of data maintained online or digitally, interference with or denial of service, attacks on our websites (or the websites of third parties on whom we rely), other operational disruption and unauthorized release, use or abuse of confidential customer information. The risk of cyberattacks may be higher during periods of geopolitical turmoil. Due to the increasing sophistication of cyberattacks, a cybersecurity breach could occur and persist for an extended period of time without detection. Systems failures and cyberattacks, as well as, any other catastrophic event, including natural and manmade disasters, public health emergencies, pandemic diseases, terrorist attacks, floods or severe storms affecting us, any third-party administrator, the underlying funds, intermediaries and other affiliated or third-party service providers may adversely affect us, our business operations and your account value and interfere with our ability to process contract transactions and calculate account values. Systems failures and cyberattacks may also interfere with our processing of contract transactions, including the processing of orders from our website or with the underlying funds, impact our ability to calculate account values and unit values and/or the underlying funds to be unable to calculate share values, cause the release or possible destruction of confidential customer and/or business information, impede order processing or cause other operational issues, subject us and/or our service providers and intermediaries to regulatory fines, litigation and financial losses and/or cause reputational damage. Cybersecurity risks may also impact the issuers of securities in which the underlying funds invest, which may cause the underlying funds to lose value. The preventative actions we take to reduce the frequency and severity of cybersecurity incidents and protect our computer systems may be insufficient to prevent a cybersecurity breach from impacting our operations or your contract value. There can be no assurance that we or the underlying funds or our service providers and intermediaries will be able to avoid cybersecurity breaches affecting your contract.

The development and deployment of AI tools and technologies, including generative AI, and its use and anticipated use by us or by third parties on whom we

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

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 our service providers and intermediaries, the underlying funds and issuers of securities in which the underlying funds invest, which may cause the funds underlying your contract to lose value. There can be no assurance that we or the underlying funds or our service providers and intermediaries will be able to avoid negative impacts associated with natural and man-made disasters.

Item 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

This death benefit is available during the accumulation phase:


Name of Benefit	Purpose	Standard/ Optional	Annual Fee	Brief Description of Restrictions/Limitations
Death Benefit	Beneficiaries will receive a benefit equal to the cash value.	Standard	No additional charge	• Available only at contract issue. • Withdrawals could significantly reduce the benefit.

Other Benefits

These other benefits are available during the accumulation phase:


Name of Benefit	Purpose	Standard/ Optional	Annual Fee	Brief Description of Restrictions/Limitations
Disability payment	In case of disability before retirement date, you can receive the cash value.	Standard	No additional charge	• Certain plans may have restrictions. See plan for details.

Death Benefits

Your beneficiary and payment of death benefit

You designate your beneficiary when you apply for your Certificate. You may change your designation by writing to our Processing Office. You may be limited as to the beneficiary you can designate in the TSA Certificate.

The death benefit is equal to your cash value. We determine the amount of the death benefit as of the business day we receive satisfactory proof of death, any required instructions as to the method of payment and any other information we may require.

The Setting Every Community Up for Retirement Enhancement Act (“SECURE Act”) enacted at the end of 2019 has changed key aspects of death benefit distributions from tax qualified and tax favored contracts such as TSAs and IRAs. See the discussion of required minimum distribution rules in the SAI.

When the participant dies before distributions begin

If you die before distributions begin, we will pay the death benefit to your beneficiary.

If the designated beneficiary is your surviving spouse, the distribution of the account balance may begin at the earlier of (a) the date you would have attained the applicable RMD age (as described in “Required minimum distributions” in the SAI) or (b) the date the surviving spouse elects payment to commence. Depending on your election, we will pay the death benefit as a single sum, in periodic installments, as an annuity or as a combination of the three subject to required minimum distribution rules. If no death benefit election is in effect, the beneficiary may elect a single sum or an alternate form of benefit payment permitted under federal tax rules in effect after your death.

Beneficiary continuation option

Depending on the beneficiary, this option may be restricted or may no longer be available for deaths after December 31, 2019, due to the changes made by the SECURE Act.

The beneficiary continuation option permits a designated individual, on the Certificate owner’s death, to maintain a Certificate with the deceased Certificate owner’s name on it and receive distributions under the Certificate, instead of receiving the death benefit in a single sum. We make this option available to beneficiaries under Regular IRA, Roth IRA and SIMPLE IRA Certificates, subject to state availability. It is not available for TSA Certificates. Please contact our Processing Office for further information.

If eligible, your beneficiary can elect to receive payments over your beneficiary’s life expectancy (determined in the calendar year after your death and determined on a term certain basis). This feature 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. These payments must begin no later than December 31st of the calendar year after the year of your death. If the election is made, then, as of the date we receive satisfactory proof of death, any required instructions, information and forms necessary to effect the beneficiary continuation option feature, we will process the request.

For sole spousal beneficiaries, payments may begin by December 31st of the calendar year in which you would have reached the applicable RMD age (as described in “Required minimum distribution” in the SAI), if such time is later. 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 the discussion of required minimum distribution rules in the SAI. 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. In the case of deceased participants under government employer sponsored plans, these new rules apply to deaths after December 31, 2021.

Under the beneficiary continuation option:

•

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

•

This feature is only available if the beneficiary is an individual.

•

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 by an EDB. Separate share treatment is not available for trusts.

•

The beneficiary may make transfers among the 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 will apply.

•

Your beneficiary will have the right to name a beneficiary to receive any remaining interest in the Certificate. Even in the case of IRA owners who died before December 31, 2019, if the beneficiary dies January 1, 2020 or later, legislation enacted at the end of 2019 imposes a 10-year limit on the distribution of the remaining interest.

•

Upon the death of your beneficiary, the beneficiary he or she has named has the option to either continue taking required minimum distributions based on the remaining life expectancy of the deceased beneficiary subject to the required minimum distribution rules or to receive any remaining interest in the Certificate in a lump sum. 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.

When the participant dies after the retirement date

If you die after distributions begin, the amount and payment mode of the distributions may continue to the beneficiary on the same basis as before your death, subject to minimum distribution rules. If the Annuitant dies while periodic distribution payments are being made, a single lump sum death benefit will be paid to the Annuitant’s beneficiary.

Disability Payment

In the case of disability (refer to your Certificate for a definition of disability) before your retirement date, we will pay you the cash value. TSA plans may be subject to certain restrictions.

Benefits Available [Table Text Block]

Summary of Benefits

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

Death Benefits

This death benefit is available during the accumulation phase:


Name of Benefit	Purpose	Standard/ Optional	Annual Fee	Brief Description of Restrictions/Limitations
Death Benefit	Beneficiaries will receive a benefit equal to the cash value.	Standard	No additional charge	• Available only at contract issue. • Withdrawals could significantly reduce the benefit.

Other Benefits

These other benefits are available during the accumulation phase:


Name of Benefit	Purpose	Standard/ Optional	Annual Fee	Brief Description of Restrictions/Limitations
Disability payment	In case of disability before retirement date, you can receive the cash value.	Standard	No additional charge	• Certain plans may have restrictions. See plan for details.

Item 17. Investment Options [Line Items]

Investment Options (N-4) [Text Block]

Appendix: Investment Options Available Under the Contract

Variable investment options

The following is a list of Portfolio Companies available under the Contract. More information about the Portfolio Companies is available in the prospectuses for the Portfolio Companies, which may be amended from time to time and can be found online at www.equitable.com/ICSR#EQH147068. You can also 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 Portfolio Companies, 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 Company’s past performance is not necessarily an indication of future performance.

Affiliated Portfolio Companies:


		Current Expenses			Average Annual Total Returns (as of 12/31/202 5 )
TYPE	Portfolio Company — Investment Adviser; Sub-Adviser(s), as applicable	Current Expenses			1 year		5 year		10 year
Equity	1290 VT Small Cap Value — Equitable Investment Management Group, LLC (“EIMG”); BlackRock Investment Management, LLC, Horizon Kinetics Asset Management LLC		1.23%	^		6.11%		13.44%		11.19%
Equity	EQ/Capital Group Research — EIMG; Capital International, Inc.		0.95%	^		19.83%		13.80%		15.00%
Equity	EQ/Common Stock Index — EIMG; AllianceBernstein L.P.		0.67%	^		16.30%		12.50%		13.54%
Fixed Income	EQ/Core Plus Bond — EIMG; Brandywine Global Investment Management, LLC, Loomis, Sayles & Company, L.P.		0.93%	^		8.53%		-0.74%		2.16%
Equity	EQ/Equity 500 Index — EIMG; AllianceBernstein L.P.		0.53%	^		17.23%		13.79%		14.15%
Fixed Income	EQ/Intermediate Government Bond (1) — EIMG; SSGA Funds Management, Inc.		0.62%	^		5.51%		0.30%		1.14%
Equity	EQ/International Equity Index — EIMG; AllianceBernstein L.P.		0.72%	^		31.53%		9.91%		8.07%
Equity	EQ/International Value Managed Volatility† — EIMG; BlackRock Investment Management, LLC, Harris Associates LP		1.04%			26.66%		7.75%		6.77%
Equity	EQ/Large Cap Growth Managed Volatility† — EIMG; BlackRock Investment Management, LLC		0.87%			11.06%		11.64%		15.01%
Equity	EQ/Large Cap Value Managed Volatility† — EIMG; AllianceBernstein L.P.		0.86%			10.62%		9.69%		9.56%
Asset Allocation	EQ/Moderate Allocation† — EIMG		1.08%			10.20%		4.12%		5.77%
Cash/Cash Equivalent	EQ/Money Market* — EIMG; Dreyfus, a division of Mellon Investments Corporation		0.67%			3.66%		2.79%		1.73%
Equity	Multimanager Aggressive Equity — EIMG; AllianceBernstein L.P.		0.99%			16.32%		11.47%		15.67%
Specialty	Multimanager Technology — EIMG; AllianceBernstein L.P., FIAM LLC, Wellington Management Company LLP		1.23%	^		25.87%		12.46%		19.41%

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

†

EQ Managed Volatility Portfolios that include the EQ volatility management strategy as part of their investment objective and/or principal investment strategy, and the EQ/affiliated Fund of Fund Portfolios that invest in Portfolios that use the EQ volatility management strategy, are identified in the chart by a “†“. See “Portfolios of the Trusts” for more information regarding volatility management.

*	The Portfolio operates as a “government money market fund.” The Portfolio will invest at least 99.5% of its total assets in U.S. government securities, cash, and/or repurchase agreements that are fully collateralized by U.S. government securities or cash.

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

Prospectuses Available [Text Block]

Variable investment options

Portfolio Companies [Table Text Block]

Affiliated Portfolio Companies:


		Current Expenses			Average Annual Total Returns (as of 12/31/202 5 )
TYPE	Portfolio Company — Investment Adviser; Sub-Adviser(s), as applicable	Current Expenses			1 year		5 year		10 year
Equity	1290 VT Small Cap Value — Equitable Investment Management Group, LLC (“EIMG”); BlackRock Investment Management, LLC, Horizon Kinetics Asset Management LLC		1.23%	^		6.11%		13.44%		11.19%
Equity	EQ/Capital Group Research — EIMG; Capital International, Inc.		0.95%	^		19.83%		13.80%		15.00%
Equity	EQ/Common Stock Index — EIMG; AllianceBernstein L.P.		0.67%	^		16.30%		12.50%		13.54%
Fixed Income	EQ/Core Plus Bond — EIMG; Brandywine Global Investment Management, LLC, Loomis, Sayles & Company, L.P.		0.93%	^		8.53%		-0.74%		2.16%
Equity	EQ/Equity 500 Index — EIMG; AllianceBernstein L.P.		0.53%	^		17.23%		13.79%		14.15%
Fixed Income	EQ/Intermediate Government Bond (1) — EIMG; SSGA Funds Management, Inc.		0.62%	^		5.51%		0.30%		1.14%
Equity	EQ/International Equity Index — EIMG; AllianceBernstein L.P.		0.72%	^		31.53%		9.91%		8.07%
Equity	EQ/International Value Managed Volatility† — EIMG; BlackRock Investment Management, LLC, Harris Associates LP		1.04%			26.66%		7.75%		6.77%
Equity	EQ/Large Cap Growth Managed Volatility† — EIMG; BlackRock Investment Management, LLC		0.87%			11.06%		11.64%		15.01%
Equity	EQ/Large Cap Value Managed Volatility† — EIMG; AllianceBernstein L.P.		0.86%			10.62%		9.69%		9.56%
Asset Allocation	EQ/Moderate Allocation† — EIMG		1.08%			10.20%		4.12%		5.77%
Cash/Cash Equivalent	EQ/Money Market* — EIMG; Dreyfus, a division of Mellon Investments Corporation		0.67%			3.66%		2.79%		1.73%
Equity	Multimanager Aggressive Equity — EIMG; AllianceBernstein L.P.		0.99%			16.32%		11.47%		15.67%
Specialty	Multimanager Technology — EIMG; AllianceBernstein L.P., FIAM LLC, Wellington Management Company LLP		1.23%	^		25.87%		12.46%		19.41%

^	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.

One Thousand Two Hundred Ninety VT Small Cap Value [Member]

Equity

1290 VT Small Cap Value

Equitable Investment Management Group, LLC (“EIMG”)

BlackRock Investment Management, LLC, Horizon Kinetics Asset Management LLC

1.23%

^[6]

6.11%

13.44%

EQCapital Group Research [Member]

11.19%

Equity

EQ/Capital Group Research

EIMG

Capital International, Inc.

0.95%

^[6]

19.83%

13.80%

EQCommon Stock Index [Member]

15.00%

Equity

EQ/Common Stock Index

EIMG

AllianceBernstein L.P.

0.67%

^[6]

16.30%

12.50%

EQCore Plus Bond [Member]

13.54%

Fixed Income

EQ/Core Plus Bond

EIMG

Brandywine Global Investment Management, LLC, Loomis, Sayles

& Company, L.P.

0.93%

^[6]

(8.53%)

0.74%

EQEquity 500 Index [Member]

2.16%

Equity

EQ/Equity 500 Index

EIMG

AllianceBernstein L.P.

0.53%

^[6]

17.23%

13.79%

EQIntermediate Government Bond [Member]

14.15%

Fixed Income

EQ/Intermediate Government Bond

(1)

^[7]

EIMG

SSGA Funds Management, Inc.

0.62%

^[6]

5.51%

0.30%

EQInternational Equity Index [Member]

1.14%

Equity

EQ/International Equity Index

EIMG

AllianceBernstein L.P.

0.72%

^[6]

31.53%

9.91%

EQInternational Value Managed Volatility [Member]

8.07%

Equity

EQ/International Value Managed Volatility

^[8]

EIMG

BlackRock Investment Management, LLC, Harris Associates LP

1.04%

26.66%

7.75%

EQLarge Cap Growth Managed Volatility [Member]

6.77%

Equity

EQ/Large Cap Growth Managed Volatility

^[8]

EIMG

BlackRock Investment Management, LLC

0.87%

11.06%

11.64%

EQLarge Cap Value Managed Volatility [Member]

15.01%

Equity

EQ/Large Cap Value Managed Volatility

^[8]

EIMG

AllianceBernstein L.P.

0.86%

10.62%

9.69%

EQModerate Allocation [Member]

9.56%

Asset Allocation

EQ/Moderate Allocation

^[8]

EIMG

1.08%

10.20%

4.12%

5.77%

EQMoney Market [Member]

Cash/Cash Equivalent

EQ/Money Market

^[9]

EIMG

Dreyfus, a division of Mellon Investments Corporation

0.67%

3.66%

2.79%

Multimanager Aggressive Equity [Member]

1.73%

Equity

Multimanager Aggressive Equity

EIMG

AllianceBernstein L.P.

0.99%

16.32%

11.47%

Multimanager Technology [Member]

15.67%

Specialty

Multimanager Technology

EIMG

AllianceBernstein L.P., FIAM LLC, Wellington Management Company LLP

1.23%

^[6]

25.87%

12.46%

Standard Death Benefit [Member]

19.41%

Item 10. Benefits Available [Line Items]

Purpose of Benefit [Text Block]

Death Benefit

Beneficiaries will receive a benefit equal to the cash value.

Standard Benefit [Flag]

true

Standard Benefit Expense, Maximum [Dollars]

$ 0

Brief Restrictions / Limitations [Text Block]

•

Available only at contract issue.

•

Withdrawals could significantly reduce the benefit.

Disability payment [Member]

Death Benefit

Item 10. Benefits Available [Line Items]

Purpose of Benefit [Text Block]

Disability payment

In case of disability before retirement date, you can receive the cash value.

Standard Benefit [Flag]

true

Standard Benefit Expense, Maximum [Dollars]

$ 0

Brief Restrictions / Limitations [Text Block]

•

Certain plans may have restrictions. See plan for details.

Disability payment

Risk of Loss [Member]

Yes.

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

For additional information about the risk of loss see “Principal risks of investing in the Certificate” in this prospectus.

Not Short Term Investment Risk [Member]

Risk of Loss

No.

The Certificate is not a short-term investment and is not appropriate for an investor who needs ready access to cash because it is designed to provide for the accumulation of retirement savings and income on a long-term basis. As such, you should not use the Certificate as a short-term investment or savings vehicle. Any withdrawals may be subject to federal and state income taxes and penalties.

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

Investment Options Risk [Member]

Not a Short-Term Investment

Insurance Company Risk [Member]

An investment in the Certificate is subject to the risk of poor investment performance and can vary depending on the performance of the investment options, including the fixed investment options, available under the Certificate, each of which has its own unique risks. You should review the investment options available under the Certificate before making an investment decision.

For additional information about the risks associated with investment options see “Portfolios of the trust” in “Investment options” and Appendix: “Investment Options Available Under the Contract” in this prospectus.

An investment in the Certificate is subject to the risks related to the Company. The Company is solely responsible to the Certificate owner for the Certificate’s account value. The general obligations under the Certificate, including the fixed investment options, 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 upon request by calling

1-800-789-7771.

For additional information about insurance company risks see “About the general account” in “More information” in this prospectus.

Contract Changes Risk [Member]

Insurance Company Risk

Possible Fees On Access To Account Value [Member]

Contract Changes Risk

Risks Associated with Variable Investment Options [Member]

Possible Fees on Access to Account Value

We may apply fees (and you may incur possible tax consequences) if you access your account value during the accumulation period or surrender your contract.

Possible Adverse Tax Consequences [Member]

Risks Associated with Variable Investment Options

Limitations on access to cash value through withdrawals [Member]

Possible Adverse Tax Consequences

tax professional to determine the tax implications of an investment in, and payments received under, the Certificate.

Business Disruption Cybersecurity And Artificial Intelligence AI Technologies Risks [Member]

Limitations on access to cash value through withdrawals