Form 497VPU Equitable Financial Life

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April 27, 2026 9:32 AM EDT

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EQUI-VEST^® (Series 100-500)

Equitable Financial Life Insurance Company of America

Issued through: Variable Account AA

Equitable Financial Life Insurance Company

Issued through: Separate Account A

Updating Summary Prospectus for Existing Investors

May 1, 2026

This summary prospectus (the “Summary Prospectus”) summarizes key features of the contract. The statutory prospectus (the “prospectus”) and Statement of Additional Information ("SAI") for the contract contain more information about the contract’s features, benefits, and risks. The prospectus and SAI are incorporated by reference into this updating Summary Prospectus. You can find the current prospectus, SAI and other information about the contract online at www.equitable.com/ICSR#EQH146648. You can also obtain this information at no cost by calling 1-877-522-5035, by sending an email request to [email protected], or by calling your financial intermediary.

The EQUI-VEST^® (Series 100-500) are variable and fixed deferred annuity contracts. The contracts provide for the accumulation of retirement savings and for income. The contracts offer income and death benefit protection as well. They also offer a number of payout options.

The Securities and Exchange Commission has not approved or disapproved these securities or passed upon the adequacy of this prospectus. Any representation to the contrary is a criminal offense.

The contract is a complex investment that involves risks, including potential loss of principal and previously credited interest. You should speak with a financial professional about the features, benefits, risks, and fees and whether the contract is appropriate for you based on your financial situation and objectives.

The contract is not a short-term investment and is not appropriate for an investor who needs ready access to cash. Withdrawals could result in withdrawal charges, negative contract adjustments, taxes, and tax penalties. A market value adjustment will apply to withdrawals, transfers, surrender of your contract, or when we make deductions for charges from a fixed maturity option before the maturity date. The actual amount of the Market Value Adjustment is determined by a formula that depends on, among other things, the difference between the rate to maturity that applies to the amount being withdrawn and the rate to maturity in effect at that time for new allocations to that same fixed maturity option, and the length of time remaining until the maturity date. It is theoretically possible that you could lose up to 100% of your investment and previously credited interest in certain extreme scenarios.

All guarantees are subject to the Company’s financial strength and claims paying ability.

Additional information about certain investment products, including variable annuities, fixed annuities with market value adjustments, has been prepared by the Securities and Exchange Commission’s staff and is available at Investor.gov.

#24805

Updated Information About Your Contract

The information in this Summary Prospectus is a summary of certain contract features that have changed since the prospectus dated May 1, 2025. This may not reflect all the changes that have occurred since you purchased your contract.

INVESTMENT OPTIONS

There have been changes to the “Appendix Investment options available under the contract” in this Summary Prospectus.

Investment Options No Longer Available: EQ/AB Sustainable U.S. Thematic Portfolio; Invesco V.I. High Yield Fund; Invesco V.I. Main Street Mid Cap Fund; Invesco V.I. Small Cap Equity Fund; MFS^® Investors Trust Series; Principal VC Equity Income Account.

Investment Option Name Change: Nomura VIP High Income Series (formerly known as Macquarie VIP High Income Series).

EXCHANGE OFFER

An exchange offer was made in connection with an assumption reinsurance transaction (the “Program”) between Equitable Financial Life Insurance Company of America (“EFLOA”, the “Company” or “we”) and Equitable Financial Life Insurance Company (“EFLIC”). Pursuant to the Program, certain EFLIC variable annuity, variable and fixed maturity options annuity contracts (each an “EFLIC Contract” and collectively, the “EFLIC Contracts”) will be exchanged for identical EFLOA contracts (each an “EFLOA Contract” and collectively, the “EFLOA Contracts”). Not all contracts are eligible for the exchange offer.

Depending on which state your EFLIC Contract was issued in, you may have to affirmatively consent to or have the right to opt-out of the exchange. We will advise you which of the following consent processes applies to your EFLIC contract (based on the state it was issued in):

•

In certain states, you must affirmatively consent to the exchange (“opt-in process”).

•

In certain states, you will be deemed to have elected the exchange if you do not exercise your right to opt out within a specified period (“opt-out process”).

•

In certain states, your EFLIC Contract will be exchanged for an EFLOA Contract automatically without any action by you (“automatic process”).

Please note, in a majority of states, you will not be required to take any additional steps or provide affirmative consent before your EFLIC Contract is exchanged for an EFLOA Contract.

Important Considerations

If your EFLIC Contract is exchanged for an EFLOA Contract:

•

Your EFLIC Contract will terminate and EFLIC will have no further obligation to you for the benefits under your EFLIC Contract.

•

EFLOA will be solely responsible to you for the benefits under your EFLOA Contract.

•

The Account Value in your EFLIC Contract will be transferred to your EFLOA Contract without any change in value and there will be no interruption to your investments because of the exchange.

•

At the time of the exchange, the same investment options available under your EFLIC Contract will be available for investment under your EFLOA Contract. Any investment restrictions applicable under your EFLIC Contract will continue to apply under your EFLOA Contract.

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Your death benefit and any optional benefit(s) under your EFLOA Contract immediately after the exchange will be the same as your death benefit and any optional benefit(s) under your EFLIC Contract immediately before the exchange and will continue to be calculated in the same way.

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You will receive credit for the time your contributions were invested in your EFLIC Contract for purposes of determining whether a withdrawal charge, if applicable, applies under your EFLOA Contract.

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We will not assess any charges against you because of the exchange.

There should be no adverse tax consequences to contract owners because of the Program between EFLIC and EFLOA or the exchange of an EFLIC Contract for an EFLOA Contract. Notwithstanding, we recommend that you consult your tax advisor.

How to reach us

There have been changes to the addresses listed under “For correspondence with checks:” section.

For NQ and IRA owners who send contributions individually by USPS and whose contract was transferred on July 1, 2025 to Equitable Financial Life Insurance Company of America:

Equitable Financial Life Insurance Company of America

EQUI-VEST^® Individual Annuity Lock Box # 773389

P.O. Box 773389

Detroit, MI 48277 – 3389

For NQ and IRA owners who send contributions individually by USPS and whose contract is still with Equitable Financial Life Insurance Company:

Equitable

EQUI-VEST Processing Office

Individual Annuity Lock Box

P.O. Box 13459

Newark, NJ 07188-0459

For NQ and IRA contributions remitted by employers and sent by USPS:

Equitable

EQUI-VEST^®

Unit Annuity Lock Box

P.O. Box 13463

Newark, NJ 07188-0463

For NQ and IRA contributions sent using express delivery:

Equitable

EQUI-VEST^® Processing Office

8501 IBM Dr., Suite 150-GR

Charlotte, NC 28262-4333

Important information you should consider about the contract


FEES, EXPENSES, AND ADJUSTMENTS
Are There Charges or Adjustments for Early Withdrawals?	Yes. If you surrender your contract, apply your cash value to a non-life contingent annuity payment option, or withdraw money from the contract within 12 years following your last contribution, you will be assessed a withdrawal charge of up to 6% of account value withdrawn or contributions withdrawn. For example, if you make a withdrawal in the first year, you could pay a withdrawal charge of up to $6,000 on a $100,000 investment. This loss will be greater if there is a negative market value adjustment, and/or if you have to pay taxes, or tax penalties. If amounts are removed from a fixed maturity option before the maturity date, there will be a market value adjustment which could greatly reduce the value in your fixed maturity option theoretically by up to 100% in extreme situations. For example, if you allocate $100,000 to a fixed maturity option and later withdraw the entire amount before the maturity date, you could lose up to $100,000 of your investment. This loss will be greater if you also have to pay a withdrawal charge, taxes and tax penalties. A market value adjustment will apply to withdrawals, transfers, surrender of your contract, or when we make deductions for charges from a fixed maturity option before the maturity date. For additional information about the charges for surrenders and early withdrawals see “Withdrawal charge” in “Charges under the contracts” under “Charges, expenses, and adjustments” in the prospectus.
Are There Transaction Charges?	Yes. In addition to withdrawal charges and market value adjustments, you may also be charged for other transactions for special requests such as wire transfers, express mail, duplicate contracts, preparing checks or third-party transfers or exchanges. For additional information about transaction charges see “Charges under the contracts” in “Charges, expenses, and adjustments” in the prospectus.
Are There Ongoing Fees and Expenses?	Yes. The contract provides for different ongoing fees and expenses. The table below describes the fees and expenses that you may pay each year, depending on the investment options and optional benefits you choose. Please refer to your contract specifications page of your contract for information about the specific fees you will pay each year based on the investment options you have elected.
	Annual Fee	Minimum	Maximum
	Base Contracts⁽¹⁾	1.34%	2.00%
	Portfolio Company fees and expenses⁽²⁾	0.54%	3.04%
	(1) Expressed as an annual percent of daily net assets in the variable investment options. (2) Expressed as an annual percentage of daily net assets in the Portfolio. This range is for the year ended December 31, 2025, and could change from year to year. Because your contract is customizable, the choices you make affect how much you will pay. To help you understand the cost of owning your contract, the following table shows the lowest and highest cost you could pay each year, based on current charges. This estimate assumes that you do not take withdrawals from the contract, which could add withdrawal charges and market value adjustments that substantially increase costs.
	Lowest Annual Cost $1,737	Highest Annual Cost $4,038
	Assumes: • Investment of $100,000 • 5% annual appreciation • Least expensive combination of contract and Portfolio fees and expenses • No optional benefits • No sales charges • No additional contributions, transfers or withdrawals • No contract adjustments	Assumes: • Investment of $100,000 • 5% annual appreciation • Most expensive combination of contract (Series 500), optional benefits and Portfolio fees and expenses • No sales charges • No additional contributions, transfers or withdrawals • No contract adjustments
	For additional information about ongoing fees and expenses see “Fee table” in the prospectus.


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. 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. 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 investment options available under the contract, (e.g., the Portfolios). Each investment option, including the guaranteed interest option and fixed maturity options has its own unique risks. You should review the investment options before making an investment decision. For additional information about the risks associated with investment options see “Fixed investment options”, “Guaranteed interest option” and “Portfolios of the Trusts” in “Purchasing the contract” in the prospectus, as well as, “Risks associated with the variable investment options”, and “Risks associated with the fixed maturity options” in “Principal Risks of investing in the contract. ”See also Appendix: “Investment options available under the contract” in the prospectus.
What Are the Risks Related to the Insurance Company?		An investment in the contract is subject to the risks related to the Company. The Company is solely responsible to the contract owner for the contract’s account value and the optional benefits. The general obligations including the guaranteed interest option, fixed maturity options and any optional 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 www.equitable.com/about-us/financial-strength-ratings. For additional information about insurance company risks see “About the general account” in “More information” in the prospectus.
RESTRICTIONS
Are There Restrictions on the Investment Options?		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 the account value from any variable investment option to another variable investment option. Effective June 18, 2012, for certain contract series and types, we no longer accept contributions. For other contract series and types, including contracts issued in certain states, we currently continue to accept subsequent contributions subject to limitations. For more information, see “How you can contribute to your contract” in “Purchasing the contract” and Appendix: “State contract availability and/or variations of certain features and benefits” in the prospectus. There are limits on contributions and transfers into and out of the guaranteed interest option, and restrictions or limitations with the DCA program. See “Allocating your contributions” in “Purchasing the Contract” and “Transferring your account value” in “Transferring your money among investment options in the prospectus” for more information. For more information see “About the Separate Account” in “More information” in the prospectus. You must choose one of the two investment methods: 1) Maximum investment option choice, or 2) Maximum transfer flexibility. For more information please see “Selecting your investment method” in the prospectus. We will not accept allocations to a fixed maturity option if on the date the contribution or transfer is to be applied the rate to maturity is 3%. This means that at points in time there may be no fixed maturity options available. You can allocate your contributions to one or more of these fixed maturity options. However, you may not allocate more than one contribution to any one fixed maturity option. Contributions and transfers into and out of the guaranteed interest option are limited.


RESTRICTIONS
		The standard death benefit offered with the contract was available only at contract purchase. Withdrawals could significantly reduce or terminate the death benefit. For additional information about restrictions on investment options, see “Portfolios of the Trusts”, “Guaranteed interest option”, and “Fixed maturity options” in “Purchasing the Contract” and “Transferring your money among investment options” in the prospectus.
Are There Any Restrictions on Contract Benefits?		Yes. At any time, we have the right to limit or terminate your contributions, allocations and transfers to any of the investment options. This contract includes a standard death benefit. Withdrawals could significantly reduce or terminate the death benefit. For additional information about the optional benefits see “Benefits available under the contract” in this prospectus.
TAXES
What are the Contract’s Tax Implications?		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 more information, see “Tax information” in the prospectus.
CONFLICTS OF INTEREST
How are Investment Professionals Compensated?		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.
Should I Exchange My Contract?		Some financial professionals may have a financial incentive to offer a new contract in place of the one you already own. You should only exchange your contract if you determine, after comparing the features, fees, and risks of both contracts, as well as any fees or penalties to terminate your existing contract, that it is preferable to purchase the new contract rather than continue to own your existing contract. For additional information about exchanges see “Charge for third-party transfer or exchange” in “Charges, expenses, and adjustments” in the prospectus.

Appendix: Investment options available under the contract

(a) Variable investment options

The following is a list of Portfolio Companies available under the contract. More information about the Portfolio Companies is available in the prospectuses for the Portfolio Companies, which may be amended from time to time and can be found online at www.equitable.com/ICSR#EQH146648. You can request this information at no cost by calling (877) 522-5035 or by sending an email request to [email protected].

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

Affiliated Portfolio Companies:


		Current Expenses			Average Annual Total Returns (as of 12/31/2025)
TYPE	Portfolio Company — Investment Adviser; *Sub-Adviser(s), as applicable*	Current Expenses			1 year		5 year		10 year
Specialty	1290 VT Convertible Securities — Equitable Investment Management Group, LLC (“EIMG”); SSGA Funds Management, Inc.		0.90%	^		15.79%		2.91%		8.89%
Equity	1290 VT Equity Income — EIMG; Barrow, Hanley, Mewhinney & Strauss, LLC d/b/a Barrow Hanley Global Investors		0.95%	^		13.04%		11.25%		8.85%
Specialty	1290 VT GAMCO Mergers & Acquisitions — EIMG; GAMCO Asset Management, Inc.		1.29%	^		15.91%		7.70%		5.38%
Equity	1290 VT GAMCO Small Company Value — EIMG; GAMCO Asset Management, Inc.		1.05%			12.82%		11.24%		10.77%
Fixed Income	1290 VT High Yield Bond — EIMG; AXA Investment Managers US Inc., Post Advisory Group, LLC		1.02%	^		7.54%		3.92%		5.41%
Equity	1290 VT Small Cap Value — EIMG; BlackRock Investment Management, LLC, Horizon Kinetics Asset Management LLC		1.23%	^		6.11%		13.44%		11.19%
Equity	1290 VT SmartBeta Equity ESG — EIMG; AXA Investment Managers US Inc.		1.10%			13.95%		10.21%		10.74%
Equity	1290 VT Socially Responsible — EIMG; BlackRock Investment Management, LLC		0.90%			17.23%		13.04%		13.83%
Equity	EQ/2000 Managed Volatility† — EIMG; AllianceBernstein L.P., BlackRock Investment Management, LLC		0.84%			9.32%		4.40%		8.33%
Equity	EQ/400 Managed Volatility† — EIMG; AllianceBernstein L.P., BlackRock Investment Management, LLC		0.85%	^		3.31%		7.06%		9.21%
Equity	EQ/500 Managed Volatility† — EIMG; AllianceBernstein L.P., BlackRock Investment Management, LLC		0.80%			13.33%		12.43%		13.15%
Asset Allocation	EQ/AB Dynamic Moderate Growth^Δ — EIMG; AllianceBernstein L.P.		1.13%			13.46%		6.31%		6.12%
Equity	EQ/AB Small Cap Growth — EIMG; AllianceBernstein L.P.		0.92%			9.21%		3.43%		10.10%
Asset Allocation	EQ/Aggressive Allocation† — EIMG		1.15%			12.97%		7.79%		9.47%
Asset Allocation	EQ/Aggressive Growth Strategy† — EIMG		1.01%			12.17%		7.61%		9.04%
Asset Allocation	EQ/All Asset Growth Allocation — EIMG		1.25%	^		17.18%		7.12%		8.28%
Equity	EQ/American Century Mid Cap Value — EIMG; American Century Investment Management, Inc.		1.00%	^		8.72%		8.64%		—
Asset Allocation	EQ/Balanced Strategy† — EIMG		0.97%			10.05%		4.68%		6.08%
Equity	EQ/Capital Group Research — EIMG; Capital International, Inc.		0.95%	^		19.83%		13.80%		15.00%
Equity	EQ/ClearBridge Large Cap Growth ESG — EIMG; ClearBridge Investments, LLC		1.00%	^		7.69%		10.47%		13.63%
Equity	EQ/ClearBridge Select Equity Managed Volatility† — EIMG; BlackRock Investment Management, LLC, ClearBridge Investments, LLC		1.06%	^		7.66%		8.42%		12.21%
Equity	EQ/Common Stock Index — EIMG; AllianceBernstein L.P.		0.67%	^		16.30%		12.50%		13.54%
Asset Allocation	EQ/Conservative Allocation† — EIMG		1.00%	^		7.48%		1.74%		3.11%
Asset Allocation	EQ/Conservative Growth Strategy† — EIMG		0.97%			9.32%		3.76%		5.10%
Asset Allocation	EQ/Conservative Strategy† — EIMG		0.95%			7.86%		1.93%		3.12%
Asset Allocation	EQ/Conservative-Plus Allocation† — EIMG		1.09%			9.06%		3.38%		4.94%
Fixed Income	EQ/Core Bond Index⁽¹⁾ — EIMG; SSGA Funds Management, Inc.		0.62%	^		6.43%		0.35%		1.70%
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/Emerging Markets Equity PLUS — EIMG; AllianceBernstein L.P., EARNEST Partners, LLC		1.20%	^		33.46%		4.64%		7.73%


		Current Expenses			Average Annual Total Returns (as of 12/31/2025)
TYPE	Portfolio Company — Investment Adviser; *Sub-Adviser(s), as applicable*	Current Expenses			1 year		5 year		10 year
Equity	EQ/Equity 500 Index — EIMG; AllianceBernstein L.P.		0.53%	^		17.24%		13.79%		14.16%
Equity	EQ/Fidelity Institutional AM^® Large Cap — EIMG; FIAM LLC		0.87%	^		18.34%		13.86%		—
Equity	EQ/Franklin Small Cap Value Managed Volatility† — EIMG; BlackRock Investment Management, LLC, Franklin Mutual Advisers, LLC		1.05%	^		7.06%		6.11%		8.71%
Equity	EQ/Global Equity Managed Volatility† — EIMG; BlackRock Investment Management, LLC		1.08%	^		19.14%		8.33%		9.47%
Equity	EQ/Goldman Sachs Mid Cap Value — EIMG; Goldman Sachs Asset Management L.P.		1.09%	^		9.22%		9.66%		—
Fixed Income	EQ/Intermediate Government Bond⁽¹⁾ — EIMG; SSGA Funds Management, Inc.		0.62%	^		5.51%		0.30%		1.14%
Equity	EQ/International Core Managed Volatility† — EIMG; BlackRock Investment Management, LLC		1.06%			26.12%		7.52%		7.48%
Equity	EQ/International Equity Index — EIMG; AllianceBernstein L.P.		0.72%	^		31.53%		9.91%		8.07%
Equity	EQ/International Managed Volatility† — EIMG; AllianceBernstein L.P., BlackRock Investment Management, LLC		0.86%			25.90%		7.28%		6.92%
Equity	EQ/International Value Managed Volatility† — EIMG; BlackRock Investment Management, LLC, Harris Associates LP		1.04%			26.66%		7.75%		6.77%
Equity	EQ/Invesco Comstock — EIMG; Invesco Advisers, Inc.		1.00%	^		16.93%		14.99%		11.71%
Equity	EQ/Invesco Global — EIMG; Invesco Advisers, Inc.		1.10%	^		15.40%		6.95%		10.59%
Specialty	EQ/Invesco Global Real Assets — EIMG; Invesco Advisers, Inc.		1.16%			15.93%		7.11%		—
Equity	EQ/Janus Enterprise — EIMG; Janus Henderson Investors US LLC		1.04%			8.05%		7.06%		10.61%
Equity	EQ/JPMorgan Growth Stock — EIMG; J.P. Morgan Investment Management Inc.		0.96%	^		14.76%		9.43%		14.08%
Equity	EQ/JPMorgan Value Opportunities — EIMG; J.P. Morgan Investment Management Inc.		0.95%			15.40%		12.77%		12.08%
Equity	EQ/Large Cap Core Managed Volatility† — EIMG; BlackRock Investment Management, LLC		0.88%			10.88%		12.03%		12.83%
Equity	EQ/Large Cap Growth Index — EIMG; AllianceBernstein L.P.		0.71%			17.74%		14.51%		17.26%
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 Index — EIMG; AllianceBernstein L.P.		0.74%			15.04%		10.52%		9.77%
Equity	EQ/Large Cap Value Managed Volatility† — EIMG; AllianceBernstein L.P.		0.86%			10.62%		9.69%		9.56%
Equity	EQ/Lazard Emerging Markets Equity — EIMG; Lazard Asset Management LLC		1.35%	^		42.06%		10.84%		—
Equity	EQ/Loomis Sayles Growth — EIMG; Loomis, Sayles & Company, L.P.		1.03%	^		13.08%		12.72%		15.87%
Equity	EQ/MFS International Growth — EIMG; Massachusetts Financial Services Company d/b/a MFS Investment Management		1.10%	^		20.90%		6.90%		9.61%
Equity	EQ/MFS International Intrinsic Value — EIMG; Massachusetts Financial Services Company d/b/a MFS Investment Management		1.15%	^		32.95%		6.99%		—
Equity	EQ/MFS Mid Cap Focused Growth — EIMG; Massachusetts Financial Services Company d/b/a MFS Investment Management		1.10%	^		5.60%		5.09%		—
Specialty	EQ/MFS Technology — EIMG; Massachusetts Financial Services Company d/b/a MFS Investment Management		1.10%			16.24%		12.06%		—
Specialty	EQ/MFS Utilities Series — EIMG; Massachusetts Financial Services Company d/b/a MFS Investment Management		1.05%	^		14.65%		7.33%		—
Equity	EQ/Mid Cap Index — EIMG; AllianceBernstein L.P.		0.64%	^		6.80%		8.42%		9.99%
Equity	EQ/Mid Cap Value Managed Volatility† — EIMG; BlackRock Investment Management, LLC		0.97%			4.98%		7.62%		8.20%
Asset Allocation	EQ/Moderate Allocation† — EIMG		1.08%			10.20%		4.12%		5.77%
Asset Allocation	EQ/Moderate Growth Strategy† — EIMG		0.98%			10.83%		5.67%		7.08%
Asset Allocation	EQ/Moderate-Plus Allocation† — EIMG		1.11%			11.50%		5.88%		7.67%
Cash/Cash Equivalent	EQ/Money Market* — EIMG; Dreyfus, a division of Mellon Investments Corporation		0.67%			3.66%		2.79%		1.73%
Equity	EQ/Morgan Stanley Small Cap Growth — EIMG; BlackRock Investment Management, LLC, Morgan Stanley Investment Management, Inc.		1.15%	^		7.39%		-0.01%		12.95%
Fixed Income	EQ/PIMCO Global Real Return — EIMG; Pacific Investment Management Company LLC		2.74%	^		5.52%		-0.90%		2.48%
Fixed Income	EQ/PIMCO Ultra Short Bond — EIMG; Pacific Investment Management Company LLC		0.80%	^		4.47%		2.93%		2.32%
Fixed Income	EQ/Quality Bond PLUS — EIMG; AllianceBernstein L.P., Pacific Investment Management Company LLC		0.83%			6.29%		-0.17%		1.31%
Equity	EQ/Small Company Index — EIMG; AllianceBernstein L.P.		0.63%			12.57%		6.16%		9.44%
Equity	EQ/Value Equity — EIMG; Aristotle Capital Management, LLC		0.91%			11.01%		8.65%		8.47%
Specialty	EQ/Wellington Energy — EIMG; Wellington Management Company LLP		1.19%	^		12.17%		17.90%		—
Asset Allocation	Equitable Conservative Growth MF/ETF Portfolio — EIMG		1.10%	^		12.03%		4.95%		6.85%
Asset Allocation	Equitable Growth MF/ETF — EIMG		1.15%	^		14.37%		—		—


		Current Expenses			Average Annual Total Returns (as of 12/31/2025)
TYPE	Portfolio Company — Investment Adviser; *Sub-Adviser(s), as applicable*	Current Expenses			1 year		5 year		10 year
Asset Allocation	Equitable Moderate Growth MF/ETF — EIMG		1.10%	^		13.43%		—		—
Equity	Multimanager Aggressive Equity — EIMG; AllianceBernstein L.P.		0.99%			16.32%		11.47%		15.67%
Fixed Income	Multimanager Core Bond⁽¹⁾ — EIMG; BlackRock Financial Management, Inc., DoubleLine Capital LP, Pacific Investment Management Company LLC, SSGA Funds Management, Inc.		0.93%	^		7.11%		-0.27%		1.72%
Specialty	Multimanager Technology — EIMG; AllianceBernstein L.P., FIAM LLC, Wellington Management Company LLP		1.23%	^		25.87%		12.46%		19.41%
Asset Allocation	Target 2015 Allocation — EIMG		1.10%	^		9.41%		2.84%		5.08%
Asset Allocation	Target 2025 Allocation — EIMG		1.10%	^		13.12%		5.57%		7.41%
Asset Allocation	Target 2035 Allocation — EIMG		1.05%			15.70%		7.50%		8.95%
Asset Allocation	Target 2045 Allocation — EIMG		1.03%			16.81%		8.58%		9.86%
Asset Allocation	Target 2055 Allocation — EIMG		1.10%	^		17.90%		9.51%		10.81%

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

Certain other affiliated Portfolios, as well as unaffiliated Portfolios, may utilize volatility management techniques (including Fund of Fund Portfolios that invest in other Portfolios that utilize volatility management techniques) that differ from the EQ volatility management strategy. Affiliated Portfolios that utilize these volatility management techniques are identified in the chart by a “Δ”. Any such unaffiliated Portfolio is not identified in the chart. See “Portfolios of the Trusts” for more information regarding volatility management.

†

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.

Unaffiliated Portfolio Companies:


		Current Expenses			Average Annual Total Returns (as of 12/31/2025)
TYPE	Portfolio Company — Investment Adviser; *Sub-Adviser(s), as applicable*	Current Expenses			1 year		5 year		10 year
Fixed Income	American Funds Insurance Series^® The Bond Fund of America^® — Capital Research and Management Company		0.72%	^		6.98%		-0.38%		2.11%
Fixed Income	Fidelity^® VIP Investment Grade Bond Portfolio — Fidelity Management and Research Company (FMR)		0.62%			6.93%		-0.21%		2.45%
Equity	MFS^® Massachusetts Investors Growth Stock Portfolio — Massachusetts Financial Services Company		0.97%	^		9.61%		9.74%		13.98%
Fixed Income	Nomura VIP High Income Series — Delaware Management Company; Nomura Corporate Research and Asset Management Inc.		0.97%			7.17%		3.73%		5.56%
Specialty	VanEck VIP Global Resources Fund — Van Eck Associates Corporation		1.32%			36.17%		10.24%		8.06%

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

Investment Options: The following are Investment Options A and B, as referred to in the “Selecting your investment method” section in “Purchasing the contract” in this prospectus.


Investments Options A
Guaranteed Interest Option
1290 VT Equity Income		EQ/Invesco Global
1290 VT GAMCO Mergers & Acquisitions		EQ/Invesco Global Real Assets
1290 VT GAMCO Small Company Value		EQ/Janus Enterprise
1290 VT Small Cap Value		EQ/JPMorgan Value Opportunities
1290 VT SmartBeta Equity ESG		EQ/Large Cap Core Managed Volatility
1290 VT Socially Responsible		EQ/Large Cap Growth Index
EQ/2000 Managed Volatility		EQ/Large Cap Growth Managed Volatility
EQ/400 Managed Volatility		EQ/Large Cap Value Index


Investments Options A
EQ/500 Managed Volatility		EQ/Large Cap Value Managed Volatility
EQ/AB Dynamic Moderate Growth		EQ/Lazard Emerging Markets Equity
EQ/AB Small Cap Growth		EQ/Loomis Sayles Growth
EQ/Aggressive Growth Strategy		EQ/MFS International Growth
EQ/All Asset Growth Allocation		EQ/MFS International Intrinsic Value
EQ/American Century Mid Cap Value		EQ/MFS Mid Cap Focused Growth
EQ/Balanced Strategy		EQ/MFS Technology
EQ/Capital Group Research		EQ/MFS Utilities Series
EQ/ClearBridge Large Cap Growth ESG		EQ/Mid Cap Index
EQ/ClearBridge Select Equity Managed Volatility		EQ/Mid Cap Value Managed Volatility
EQ/Common Stock Index		EQ/Moderate Growth Strategy
EQ/Conservative Growth Strategy		EQ/Morgan Stanley Small Cap Growth
EQ/Conservative Strategy		EQ/Small Company Index
EQ/Emerging Markets Equity PLUS		EQ/T. Rowe Price Growth Stock
EQ/Equity 500 Index		EQ/Value Equity
EQ/Fidelity Institutional AM^® Large Cap		EQ/Wellington Energy
EQ/Franklin Small Cap Value Managed Volatility		Equitable Conservative Growth MF/ETF
EQ/Global Equity Managed Volatility		Equitable Growth MF/ETF
EQ/Goldman Sachs Mid Cap Value		Equitable Moderate Growth MF/ETF
EQ/International Core Managed Volatility		MFS^® Massachusetts Investors Growth Stock Portfolio
EQ/International Equity Index		Multimanager Aggressive Equity
EQ/International Managed Volatility		Multimanager Technology
EQ/International Value Managed Volatility		VanEck VIP Global Resources Fund
EQ/Invesco Comstock


Investments Options B
1290 VT Convertible Securities		EQ/PIMCO Global Real Return
1290 VT High Yield Bond		EQ/PIMCO Ultra Short Bond
American Funds Insurance Series^® The Bond Fund of America^®		EQ/Quality Bond PLUS
EQ/Core Bond Index		Fidelity^® VIP Investment Grade Bond Portfolio
EQ/Intermediate Government Bond		Multimanager Core Bond
EQ/Money Market		Nomura VIP High Income Series

(b) Fixed investment options

The following is a list of Fixed investment options currently available under the contract. We may change the features of the Fixed investment options listed below, offer new Fixed investment options, and terminate existing Fixed investment options. We will provide you with written notice before doing so.

Note: If amounts are removed from a Fixed investment options before the end of its term, we may apply a market value adjustment. This may result in a significant reduction in your account value.


Name	Term	Minimum Guaranteed Rate of Interest
Guaranteed Interest Option	N/A	1.0%
Fixed Maturity Options	1 year to 10 years	3.0%
Dollar cost averaging (the “DCA program”)	N/A	N/A

For more information, please see “Fixed Maturity Options” under “Purchasing the Contract” and “Market Value Adjustment” under “Charges, Fees, and Adjustments” in the prospectus.

EQUI-VEST^® (Series 100-500)

Issued by

Equitable Financial Life Insurance Company of America

Equitable Financial Life Insurance Company

We have filed with the Securities and Exchange Commission a Prospectus and Statements of Additional Information (“SAI”) that include additional information about EQUI-VEST^® (Series 100-500), Equitable Financial Life Insurance Company of America, Variable Account AA, Equitable Financial Life Insurance Company and Separate Account A, respectively. The Prospectus and SAI each dated May 1, 2026, are incorporated by reference into this Summary Prospectus. The Prospectus and SAI are available free of charge. To request a copy of either document, to ask about your contract, or to make other investor inquiries, please call (800) 628-6673. The Prospectus and SAI are also available at our website, www.equitable.com/ICSR#EQH146648.

Class/Contract Identifier: C000247528; C000257665 (EFLOA)

Class/Contract Identifier: C000024803; C000257686 (EFLIC)

EQUI-VEST^® Employer-Sponsored Retirement Plans

Equitable Financial Life Insurance Company of America

Issued through: Variable Account AA

Equitable Financial Life Insurance Company

Issued through: Separate Account A

Updating Summary Prospectus for Existing Investors

May 1, 2026

This summary prospectus (the “Summary Prospectus”) summarizes key features of the contract. The statutory prospectus (the “prospectus”) and Statements of Additional Information ("SAI") for the contract contain more information about the contract’s features, benefits, and risks. The prospectus and SAI are incorporated by reference into this updating Summary Prospectus. You can find the current prospectus, SAI and other information about the contract online at www.equitable.com/ICSR#EQH146649. You can also obtain this information at no cost by calling 1-877-522-5035, by sending an email request to [email protected], or by calling your financial intermediary.

The EQUI-VEST^® Employer-Sponsored Retirement Plans are variable and fixed deferred annuity contracts. The contracts provide for the accumulation of retirement savings and for income. The contracts offer income and death benefit protection as well. They also offer a number of payout options.

The Securities and Exchange Commission has not approved or disapproved these securities or passed upon the adequacy of this prospectus. Any representation to the contrary is a criminal offense.

The extent of the downside protection at Segment maturity, also referred to as the Segment Buffer, varies by Segment, ranging from the first 10% to 20% 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 Segment Buffer at Segment maturity. You could lose as much as 80% (for Segments with a -20% 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. 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. If we only offer one index option, you will be limited to investing in only one index option with terms that may not be acceptable to you and other investment options where performance is not based on the performance of an index and that do not offer any protection from investment 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. If you are not happy with the limited investment options and choose to surrender the contract you will be subject to the interim value adjustment, federal and state taxes, and penalties, purchasing a new contract with a new withdrawal charge period, different investment options, benefits, fees, and risks.

The Performance Cap Rates we set will limit the amount you can earn on a Segment. Our minimum Performance Cap Rate for a 1-year Segment is 4% (12% for 3-year Segments, and 20% for 5-year Segments). We will not open a Segment with a Performance Cap Rate below the applicable minimum Performance Cap Rate. See Appendix: “State contract availability and/or variations of certain features and benefits” in the prospectus for more information on state variations.

The contract is not a short-term investment and is not appropriate for an investor who needs ready access to cash. Withdrawals could result in withdrawal charges, negative contract adjustments, taxes, and tax penalties. This contract permits ongoing withdrawals from the index options prior to the end of the term. These ongoing deductions could have adverse effects of values under the contract and if an investor intends to elect such ongoing withdrawals, they should consult with their financial professional about the appropriateness of the contract for them. Withdrawals, because of the Segment Interim Value Calculation could significantly reduce contract values and by substantially more than the actual amount of the deduction. 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 as a result of withdrawals.

Any transaction that causes account value to leave a Segment between the Segment Start Date and the Segment Maturity Date will result in a Segment Interim Value calculation. Such transactions include (1) a death claim by your beneficiary received in good order; (2) a withdrawal (including a systematic withdrawal or a required minimum distribution) or loan; (3) if you surrender or annuitize your contract; (4) deducting account value to pay fees; or (5) if you cancel your contract and return it to us for a refund within your state’s “free look” period.

A market value adjustment will apply to withdrawals, transfers, surrender of your contract, or when we make deductions for charges from a fixed maturity option before the maturity date. The actual amount of the Market Value Adjustment is determined by a formula that depends on, among other things, the difference between the rate to maturity that applies to the amount being withdrawn and the rate to maturity in effect at that time for new allocations to that same fixed maturity option, and the length of time remaining until the maturity date. It is theoretically possible that you could lose up to 100% of your investment and previously credited interest in certain extreme scenarios.

All guarantees are subject to the Company’s financial strength and claims paying ability.

Additional information about certain investment products, including variable annuities, index linked annuities and fixed annuities with market value adjustments, has been prepared by the Securities and Exchange Commission’s staff and is available at Investor.gov.

#75103

Updated Information About Your Contract

INVESTMENT OPTIONS

There have been changes to the “Appendix Investment options available under the contract” in this Summary Prospectus.

Investment Option Name Change: Nomura VIP High Income Series (formerly known as Macquarie VIP High Income Series).

Exchange Offer

An exchange offer was made in connection with an assumption reinsurance transaction (the “Program”) between Equitable Financial Life Insurance Company of America (“EFLOA”, the “Company” or “we”) and Equitable Financial Life Insurance Company (“EFLIC”). Pursuant to the Program, certain EFLIC variable annuity, variable and index-linked annuity, and/or variable and fixed maturity options annuity contracts (each an “EFLIC Contract” and collectively, the “EFLIC Contracts”) will be exchanged for identical EFLOA contracts (each an “EFLOA Contract” and collectively, the “EFLOA Contracts”). Not all contracts are eligible for the exchange offer.

•

In certain states, you must affirmatively consent to the exchange (“opt-in process”).

•

In certain states, you will be deemed to have elected the exchange if you do not exercise your right to opt out within a specified period (“opt-out process”).

•

In certain states, your EFLIC Contract will be exchanged for an EFLOA Contract automatically without any action by you (“automatic process”).

Please note, in a majority of states, you will not be required to take any additional steps or provide affirmative consent before your EFLIC Contract is exchanged for an EFLOA Contract.

Important Considerations

If your EFLIC Contract is exchanged for an EFLOA Contract:

•

Your EFLIC Contract will terminate and EFLIC will have no further obligation to you for the benefits under your EFLIC Contract.

•

EFLOA will be solely responsible to you for the benefits under your EFLOA Contract.

•

The Account Value in your EFLIC Contract will be transferred to your EFLOA Contract without any change in value and there will be no interruption to your investments because of the exchange.

•

You will receive credit for the time your contributions were invested in your EFLIC Contract for purposes of determining whether a withdrawal charge, if applicable, applies under your EFLOA Contract.

•

We will not assess any charges against you because of the exchange.

Important information you should consider about the contract

FEES, EXPENSES, AND ADJUSTMENTS

Are There Charges or Adjustments for Early Withdrawals?

Yes. If you surrender your contract, apply your cash value to a non-life contingent annuity payment option, or withdraw money from the contract within 12 years following your last contribution, you will be assessed a withdrawal charge of up to 6% of account value withdrawn or contributions withdrawn. For example, if you make a withdrawal in the first year, you could pay a withdrawal charge of up to $6,000 on a $100,000 investment. This loss will be greater if there is a negative interim value adjustment, negative market value adjustment, and/or if you have to pay taxes or tax penalties.

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 Segment with a 3-year Segment Duration and later withdraw the entire amount before the 3 years have elapsed, you could lose up to $100,000 of your investment. This loss may be greater if you also have to pay a withdrawal charge, and/or if you have to pay taxes or tax penalties. We use the Segment Interim Values for your Segments of the SIO if you have an Interim Value Transaction.

If amounts are removed from a fixed maturity option before the maturity date, there will be a market value adjustment which could greatly reduce the value in your fixed maturity option theoretically by up to 100% in extreme situations. For example, if you allocate $100,000 to a fixed maturity option and later withdraw the entire amount before the maturity date, you could lose up to $100,000 of your investment. This loss may be greater if you also have to pay a withdrawal charge, taxes and tax penalties. A market value adjustment will apply to withdrawals, transfers, surrender of your contract, or when we make deductions for charges from a fixed maturity option before the maturity date.

For additional information about the charges for surrenders and early withdrawals see “Withdrawal charge” in “Charges under the contracts” under “Charges, expenses, and adjustments” in the prospectus.

Are There Transaction Charges?

Yes. In addition to withdrawal charges, interim value adjustments and market value adjustments, you may also be charged for other transactions including loans and for special requests such as wire transfers, express mail, duplicate contracts, preparing checks or, third-party transfers or exchanges.

For additional information about transaction charges see “Charges under the contracts” in “Charges, expenses, and adjustments” in the prospectus.

Are There Ongoing Fees and Expenses?

Yes. The contract provides for different ongoing fees and expenses. The table below describes the fees and expenses that you may pay each year, depending on the investment options and optional benefits you choose. Please refer to your contract specifications page of your certificate for information about the specific fees you will pay each year based on the investment options you have elected. 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 Contracts⁽¹⁾

1.34%

2.00%

Portfolio Company fees and expenses⁽²⁾

0.54%

3.04%

(1) Expressed as an annual percent of daily net assets in the variable investment options.

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

Because your contract is customizable, the choices you make affect how much you will pay. To help you understand the cost of owning your contract, the following table shows the lowest and highest cost you could pay each year, based on current charges. This estimate assumes that you do not take withdrawals from the contract, which could add withdrawal charges, interim value adjustments and market value adjustments that substantially increase costs.

Lowest Annual Cost

$1,737

Highest Annual Cost

$4,038

Assumes:

•

Investment of $100,000

•

5% annual appreciation

•

Least expensive combination of contract and Portfolio fees and expenses

•

No optional benefits

•

No sales charges

•

No additional contributions, transfers, loans or withdrawals

•

No contract adjustments

Assumes:

•

Investment of $100,000

•

5% annual appreciation

•

Most expensive combination of contract (Series 400), optional benefits and Portfolio fees and expenses

•

No sales charges

•

No additional contributions, transfers, loans or withdrawals

•

No contract adjustments

For additional information about ongoing fees and expenses see “Fee table” in the prospectus.

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 80% (for Segments with a -20% 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. 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. Withdrawals from a Segment of the SIO or a fixed maturity option prior to maturity may result in an interim value adjustment or market value adjustment, respectively. Amounts removed from a Segment 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 by significantly more than the amount withdrawn. Likewise, amounts removed from a fixed maturity option will not receive credited interest, and may result in a negative market value adjustment which could be significantly greater than the amount withdrawn. Contract value in a Segment will be reallocated at Segment Maturity according to your instructions. If you have not provided us with maturity instructions, the Segment Maturity Value will be transferred to the Segment Holding Account. Your Segment Maturity Value would then be transferred from that Segment Holding Account into the next Segment on the Segment Start Date. If the next Segment to be created would not meet the Segment Maturity Date Requirement or the Segment Type has been terminated, we will instead transfer your Segment Maturity Value to the EQ/Money Market variable investment option. Alternatively, 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 Holding Account. If you are impacted by these delays, you may transfer your Segment Maturity Value out of the Segment Holding Account into any other investment options available under your EQUI-VEST^® contract at any time before the next month’s Segment Start Date.

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 investment options available under the contract, (e.g., the Portfolios) or Segment of the SIO. Each investment option, including the guaranteed interest option and fixed maturity options, has its own unique risks. You should review the investment options before making an investment decision.

For investments in a Segment of the SIO, the Performance Cap Rate will limit positive Index performance (e.g., limited upside). For example, if the Index Performance Rate is 10% and the Performance Cap Rate is 7%, we will credit 7% on the Segment Maturity Date assuming there are no fees or charges assessed. The Performance Cap Rate may cause your returns under the Segment to be lower than the Index’s returns.

The Segment Buffer will limit negative returns (e.g., limited protection in the case of market decline). 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 Performance Rate is -25% and the Segment Buffer is -10%, we will credit -15% on the Segment Maturity Date assuming there are no fees or charges assessed.

Each Index is a “price return index,” not a “total return index,” and therefore does not reflect dividends paid on the securities composing the Index. This will reduce the Index return and will cause the Index to underperform a direct investment in the securities composing the Index.

For additional information about the risks associated with investment options see “Fixed investment options”, “Guaranteed interest option” and “Portfolios of the Trusts”in “Purchasing the contract”in the prospectus, as well as, “Risks associated with the variable investment options”, “Risks associated with the Structured Investment Option,” and “Risks associated with the fixed maturity options” in “Principal Risks of investing in the contract.” See also Appendix: “Investment options available under the contract” in the prospectus.

What Are the Risks Related to the Insurance Company?

An investment in the contract is subject to the risks related to the Company. The Company is solely responsible to the contract owner for the contract’s account value and the optional benefits. The general obligations, including the guaranteed interest option, fixed maturity options, SIO, and any optional 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 www.equitable.com/about-us/financial-strength-ratings.

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

RESTRICTIONS

Are There Restrictions on the Investment Options?

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 the account value from any variable investment option to another variable investment option.

There are limits on contributions and transfers into and out of the guaranteed interest option, and restrictions or limitations with the DCA programs. See “Allocating your contributions” in “Purchasing the contract” and “Transferring your account value” in “Transferring your money among investment options” in the prospectus for more information.

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

We determine the Performance Cap Rate for each SIO Segment 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 account value will remain in that Segment Holding Account until the next available Segment for which your threshold is met or you provide us with alternative instructions.

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

We may not offer new SIO Segments. Therefore, a Segment may not be available for you to transfer your Segment Maturity Value into after the Segment Maturity Date. We have the right to substitute an alternative index prior to Segment Maturity if the publication of the Index is discontinued or at our sole discretion we determine that our use of the Index should be discontinued or if the calculation of the Index is substantially changed. 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.

We will not accept allocations to a fixed maturity option if on the date the contribution or transfer is to be applied the rate to maturity is 3%. This means that at points in time there may be no fixed maturity options available. You can allocate your contributions to one or more of these fixed maturity options. However, you may not allocate more than one contribution to any one fixed maturity option.

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

For additional information about restrictions on investment options, see “Portfolios of the Trusts”, “Structured Investment Options”, “Guaranteed Interest Option” and “Fixed maturity options” in “Purchasing the contract” and “Transferring your money among investment options” in the prospectus.

Are There Any Restrictions on Contract Benefits?

Yes. At any time, we have the right to limit or terminate your contributions, allocations and transfers to any of the investment options.

The standard and optional death benefits offered with the contract are available only at contract purchase. Withdrawals could significantly reduce or terminate the death benefit.

Not all employer plans will offer loans. Loans are subject to restrictions under federal tax rules and ERISA. Automated transfer programs, including dollar cost averaging and asset rebalancing, are not available if you elect Semester Strategies for Series 100 and Series 200 TSA and EDC contracts only.

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.

TAXES

What are the Contract’s Tax Implications?

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 more information, see “Tax information” in the prospectus.

CONFLICTS OF INTEREST

How are Investment Professionals Compensated?

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.

CONFLICTS OF INTEREST

Should I Exchange My Contract?

Some financial professionals may have a financial incentive to offer a new contract in place of the one you already own. You should only exchange your contract if you determine, after comparing the features, fees, and risks of both contracts, as well as any fees or penalties to terminate your existing contract, that it is preferable to purchase the new contract rather than continue to own your existing contract.

For additional information about exchanges see “Charge for third-party transfer or exchange” in ”Charges, expenses, and adjustments” in the prospectus.

Appendix: Investment options available under the contract

(a) Variable investment options

The following is a list of Portfolio Companies available under the contract. More information about the Portfolio Companies is available in the prospectuses for the Portfolio Companies, which may be amended from time to time and can be found online at www.equitable.com/ICSR#EQH146649. You can request this information at no cost by calling 1-877-522-5035 or by sending an email request to [email protected].

Affiliated Portfolio Companies:


TYPE	Portfolio Company — Investment Adviser; *Sub-Adviser(s), as applicable*	Current Expenses			Average Annual Total Returns (as of 12/31/2025)
TYPE		Current Expenses			1 year		5 year		10 year
Specialty	1290 VT Convertible Securities — Equitable Investment Management Group, LLC (“EIMG”); SSGA Funds Management, Inc.		0.90%	^		15.79%		2.91%		8.89%
Equity	1290 VT Equity Income — EIMG; Barrow, Hanley, Mewhinney & Strauss, LLC d/b/a Barrow Hanley Global Investors		0.95%	^		13.04%		11.25%		8.85%
Specialty	1290 VT GAMCO Mergers & Acquisitions — EIMG; GAMCO Asset Management, Inc.		1.29%	^		15.91%		7.70%		5.38%
Equity	1290 VT GAMCO Small Company Value — EIMG; GAMCO Asset Management, Inc.		1.05%			12.82%		11.24%		10.77%
Fixed Income	1290 VT High Yield Bond — EIMG; AXA Investment Managers US Inc., Post Advisory Group, LLC		1.02%	^		7.54%		3.92%		5.41%
Equity	1290 VT Small Cap Value — EIMG; BlackRock Investment Management, LLC, Horizon Kinetics Asset Management LLC		1.23%	^		6.11%		13.44%		11.19%
Equity	1290 VT SmartBeta Equity ESG — EIMG; AXA Investment Managers US Inc.		1.10%			13.95%		10.21%		10.74%
Equity	1290 VT Socially Responsible — EIMG; BlackRock Investment Management, LLC		0.90%			17.23%		13.04%		13.83%
Equity	EQ/2000 Managed Volatility† — EIMG; AllianceBernstein L.P., BlackRock Investment Management, LLC		0.84%			9.32%		4.40%		8.33%
Equity	EQ/400 Managed Volatility† — EIMG; AllianceBernstein L.P., BlackRock Investment Management, LLC		0.85%	^		3.31%		7.06%		9.21%
Equity	EQ/500 Managed Volatility† — EIMG; AllianceBernstein L.P., BlackRock Investment Management, LLC		0.80%			13.33%		12.43%		13.15%
Asset Allocation	EQ/AB Dynamic Moderate Growth^Δ — EIMG; AllianceBernstein L.P.		1.13%			13.46%		6.31%		6.12%
Equity	EQ/AB Small Cap Growth — EIMG; AllianceBernstein L.P.		0.92%			9.21%		3.43%		10.10%
Asset Allocation	EQ/Aggressive Allocation† — EIMG		1.15%			12.97%		7.79%		9.47%
Asset Allocation	EQ/Aggressive Growth Strategy† — EIMG		1.01%			12.17%		7.61%		9.04%
Asset Allocation	EQ/All Asset Growth Allocation — EIMG		1.25%	^		17.18%		7.12%		8.28%
Equity	EQ/American Century Mid Cap Value — EIMG; American Century Investment Management, Inc.		1.00%	^		8.72%		8.64%		—
Asset Allocation	EQ/Balanced Strategy† — EIMG		0.97%			10.05%		4.68%		6.08%
Equity	EQ/Capital Group Research — EIMG; Capital International, Inc.		0.95%	^		19.83%		13.80%		15.00%
Equity	EQ/ClearBridge Large Cap Growth ESG — EIMG; ClearBridge Investments, LLC		1.00%	^		7.69%		10.47%		13.63%
Equity	EQ/ClearBridge Select Equity Managed Volatility† — EIMG; BlackRock Investment Management, LLC, ClearBridge Investments, LLC		1.06%	^		7.66%		8.42%		12.21%
Equity	EQ/Common Stock Index — EIMG; AllianceBernstein L.P.		0.67%	^		16.30%		12.50%		13.54%
Asset Allocation	EQ/Conservative Allocation† — EIMG		1.00%	^		7.48%		1.74%		3.11%
Asset Allocation	EQ/Conservative Growth Strategy† — EIMG		0.97%			9.32%		3.76%		5.10%
Asset Allocation	EQ/Conservative Strategy† — EIMG		0.95%			7.86%		1.93%		3.12%
Asset Allocation	EQ/Conservative-Plus Allocation† — EIMG		1.09%			9.06%		3.38%		4.94%


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⁾ — EIMG; SSGA Funds Management, Inc.		0.62%	^		6.43%		0.35%		1.70%
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/Emerging Markets Equity PLUS — EIMG; AllianceBernstein L.P., EARNEST Partners, LLC		1.20%	^		33.46%		4.64%		7.73%
Equity	EQ/Equity 500 Index — EIMG; AllianceBernstein L.P.		0.53%	^		17.24%		13.79%		14.16%
Equity	EQ/Fidelity Institutional AM^® Large Cap — EIMG; FIAM LLC		0.87%	^		18.34%		13.86%		—
Equity	EQ/Franklin Small Cap Value Managed Volatility† — EIMG; BlackRock Investment Management, LLC, Franklin Mutual Advisers, LLC		1.05%	^		7.06%		6.11%		8.71%
Equity	EQ/Global Equity Managed Volatility† — EIMG; BlackRock Investment Management, LLC		1.08%	^		19.14%		8.33%		9.47%
Equity	EQ/Goldman Sachs Mid Cap Value — EIMG; Goldman Sachs Asset Management L.P.		1.09%	^		9.22%		9.66%		—
Fixed Income	EQ/Intermediate Government Bond⁽¹⁾ — EIMG; SSGA Funds Management, Inc.		0.62%	^		5.51%		0.30%		1.14%
Equity	EQ/International Core Managed Volatility† — EIMG; BlackRock Investment Management, LLC		1.06%			26.12%		7.52%		7.48%
Equity	EQ/International Equity Index — EIMG; AllianceBernstein L.P.		0.72%	^		31.53%		9.91%		8.07%
Equity	EQ/International Managed Volatility† — EIMG; AllianceBernstein L.P., BlackRock Investment Management, LLC		0.86%			25.90%		7.28%		6.92%
Equity	EQ/International Value Managed Volatility† — EIMG; BlackRock Investment Management, LLC, Harris Associates LP		1.04%			26.66%		7.75%		6.77%
Equity	EQ/Invesco Comstock — EIMG; Invesco Advisers, Inc.		1.00%	^		16.93%		14.99%		11.71%
Equity	EQ/Invesco Global — EIMG; Invesco Advisers, Inc.		1.10%	^		15.40%		6.95%		10.59%
Specialty	EQ/Invesco Global Real Assets — EIMG; Invesco Advisers, Inc.		1.16%			15.93%		7.11%		—
Equity	EQ/Janus Enterprise — EIMG; Janus Henderson Investors US LLC		1.04%			8.05%		7.06%		10.61%
Equity	EQ/JPMorgan Growth Stock — EIMG; J.P. Morgan Investment Management Inc.		0.96%	^		14.76%		9.43%		14.08%
Equity	EQ/JPMorgan Value Opportunities — EIMG; J.P. Morgan Investment Management Inc.		0.95%			15.40%		12.77%		12.08%
Equity	EQ/Large Cap Core Managed Volatility† — EIMG; BlackRock Investment Management, LLC		0.88%			10.88%		12.03%		12.83%
Equity	EQ/Large Cap Growth Index — EIMG; AllianceBernstein L.P.		0.71%			17.74%		14.51%		17.26%
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 Index — EIMG; AllianceBernstein L.P.		0.74%			15.04%		10.52%		9.77%
Equity	EQ/Large Cap Value Managed Volatility† — EIMG; AllianceBernstein L.P.		0.86%			10.62%		9.69%		9.56%
Equity	EQ/Lazard Emerging Markets Equity — EIMG; Lazard Asset Management LLC		1.35%	^		42.06%		10.84%		—
Equity	EQ/Loomis Sayles Growth — EIMG; Loomis, Sayles & Company, L.P.		1.03%	^		13.08%		12.72%		15.87%
Equity	EQ/MFS International Growth — EIMG; Massachusetts Financial Services Company d/b/a MFS Investment Management		1.10%	^		20.90%		6.90%		9.61%
Equity	EQ/MFS International Intrinsic Value — EIMG; Massachusetts Financial Services Company d/b/a MFS Investment Management		1.15%	^		32.95%		6.99%		—
Equity	EQ/MFS Mid Cap Focused Growth — EIMG; Massachusetts Financial Services Company d/b/a MFS Investment Management		1.10%	^		5.60%		5.09%		—
Specialty	EQ/MFS Technology — EIMG; Massachusetts Financial Services Company d/b/a MFS Investment Management		1.10%			16.24%		12.06%		—
Specialty	EQ/MFS Utilities Series — EIMG; Massachusetts Financial Services Company d/b/a MFS Investment Management		1.05%	^		14.65%		7.33%		—
Equity	EQ/Mid Cap Index — EIMG; AllianceBernstein L.P.		0.64%	^		6.80%		8.42%		9.99%
Equity	EQ/Mid Cap Value Managed Volatility† — EIMG; BlackRock Investment Management, LLC		0.97%			4.98%		7.62%		8.20%
Asset Allocation	EQ/Moderate Allocation† — EIMG		1.08%			10.20%		4.12%		5.77%
Asset Allocation	EQ/Moderate Growth Strategy† — EIMG		0.98%			10.83%		5.67%		7.08%
Asset Allocation	EQ/Moderate-Plus Allocation† — EIMG		1.11%			11.50%		5.88%		7.67%


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
Cash/Cash Equivalent	EQ/Money Market* — EIMG; Dreyfus, a division of Mellon Investments Corporation		0.67%			3.66%		2.79%		1.73%
Equity	EQ/Morgan Stanley Small Cap Growth — EIMG; BlackRock Investment Management, LLC, Morgan Stanley Investment Management, Inc.		1.15%	^		7.39%		-0.01%		12.95%
Fixed Income	EQ/PIMCO Global Real Return — EIMG; Pacific Investment Management Company LLC		2.74%	^		5.52%		-0.90%		2.48%
Fixed Income	EQ/PIMCO Ultra Short Bond — EIMG; Pacific Investment Management Company LLC		0.80%	^		4.47%		2.93%		2.32%
Fixed Income	EQ/Quality Bond PLUS — EIMG; AllianceBernstein L.P., Pacific Investment Management Company LLC		0.83%			6.29%		-0.17%		1.31%
Equity	EQ/Small Company Index — EIMG; AllianceBernstein L.P.		0.63%			12.57%		6.16%		9.44%
Equity	EQ/Value Equity — EIMG; Aristotle Capital Management, LLC		0.91%			11.01%		8.65%		8.47%
Specialty	EQ/Wellington Energy — EIMG; Wellington Management Company LLP		1.19%	^		12.17%		17.90%		—
Asset Allocation	Equitable Conservative Growth MF/ETF Portfolio — EIMG		1.10%	^		12.03%		4.95%		6.85%
Asset Allocation	Equitable Growth MF/ETF — EIMG		1.15%	^		14.37%		—		—
Asset Allocation	Equitable Moderate Growth MF/ETF — EIMG		1.10%	^		13.43%		—		—
Equity	Multimanager Aggressive Equity — EIMG; AllianceBernstein L.P.		0.99%			16.32%		11.47%		15.67%
Fixed Income	Multimanager Core Bond⁽¹⁾ — EIMG; BlackRock Financial Management, Inc., DoubleLine Capital LP, Pacific Investment Management Company LLC, SSGA Funds Management, Inc.		0.93%	^		7.11%		-0.27%		1.72%
Specialty	Multimanager Technology — EIMG; AllianceBernstein L.P., FIAM LLC, Wellington Management Company LLP		1.23%	^		25.87%		12.46%		19.41%
Asset Allocation	Target 2015 Allocation — EIMG		1.10%	^		9.41%		2.84%		5.08%
Asset Allocation	Target 2025 Allocation — EIMG		1.10%	^		13.12%		5.57%		7.41%
Asset Allocation	Target 2035 Allocation — EIMG		1.05%			15.70%		7.50%		8.95%
Asset Allocation	Target 2045 Allocation — EIMG		1.03%			16.81%		8.58%		9.86%
Asset Allocation	Target 2055 Allocation — EIMG		1.10%	^		17.90%		9.51%		10.81%

^	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.

Unaffiliated Portfolio Companies:


		Current Expenses			Average Annual Total Returns (as of 12/31/2025)
TYPE	Portfolio Company — Investment Adviser; *Sub-Adviser(s), as applicable*	Current Expenses			1 year		5 year		10 year
Fixed Income	American Funds Insurance Series^® The Bond Fund of America^® — Capital Research and Management Company		0.72%	^		6.98%		-0.38%		2.11%
Fixed Income	Fidelity^® VIP Investment Grade Bond Portfolio — Fidelity Management and Research Company (FMR)		0.62%			6.93%		-0.21%		2.45%
Equity	MFS^® Massachusetts Investors Growth Stock Portfolio — Massachusetts Financial Services Company		0.97%	^		9.61%		9.74%		13.98%
Fixed Income	Nomura VIP High Income Series — Delaware Management Company; Nomura Corporate Research and Asset Management Inc.		0.97%			7.17%		3.73%		5.56%
Specialty	VanEck VIP Global Resources Fund — Van Eck Associates Corporation		1.32%			36.17%		10.24%		8.06%

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

Investment Options: The following are Investment Options A and B, as referred to in the “Selecting your investment method” section in “Purchasing the contract” in this prospectus.


Investments Options A
Guaranteed Interest Option
1290 VT Equity Income		EQ/Invesco Global
1290 VT GAMCO Mergers & Acquisitions		EQ/Invesco Global Real Assets
1290 VT GAMCO Small Company Value		EQ/Janus Enterprise
1290 VT Small Cap Value		EQ/JPMorgan Value Opportunities
1290 VT SmartBeta Equity ESG		EQ/Large Cap Core Managed Volatility
1290 VT Socially Responsible		EQ/Large Cap Growth Index
EQ/2000 Managed Volatility		EQ/Large Cap Growth Managed Volatility
EQ/400 Managed Volatility		EQ/Large Cap Value Index
EQ/500 Managed Volatility		EQ/Large Cap Value Managed Volatility
EQ/AB Dynamic Moderate Growth		EQ/Lazard Emerging Markets Equity
EQ/AB Small Cap Growth		EQ/Loomis Sayles Growth
EQ/Aggressive Growth Strategy		EQ/MFS International Growth
EQ/All Asset Growth Allocation		EQ/MFS International Intrinsic Value
EQ/American Century Mid Cap Value		EQ/MFS Mid Cap Focused Growth
EQ/Balanced Strategy		EQ/MFS Technology
EQ/Capital Group Research		EQ/MFS Utilities Series
EQ/ClearBridge Large Cap Growth ESG		EQ/Mid Cap Index
EQ/ClearBridge Select Equity Managed Volatility		EQ/Mid Cap Value Managed Volatility
EQ/Common Stock Index		EQ/Moderate Growth Strategy
EQ/Conservative Growth Strategy		EQ/Morgan Stanley Small Cap Growth
EQ/Conservative Strategy		EQ/Small Company Index
EQ/Emerging Markets Equity PLUS		EQ/T. Rowe Price Growth Stock
EQ/Equity 500 Index		EQ/Value Equity
EQ/Fidelity Institutional AM^® Large Cap		EQ/Wellington Energy
EQ/Franklin Small Cap Value Managed Volatility		Equitable Conservative Growth MF/ETF
EQ/Global Equity Managed Volatility		Equitable Growth MF/ETF
EQ/Goldman Sachs Mid Cap Value		Equitable Moderate Growth MF/ETF
EQ/International Core Managed Volatility		MFS^® Massachusetts Investors Growth Stock Portfolio
EQ/International Equity Index		Multimanager Aggressive Equity
EQ/International Managed Volatility		Multimanager Technology
EQ/International Value Managed Volatility		VanEck VIP Global Resources Fund
EQ/Invesco Comstock


Investments Options B
1290 VT Convertible Securities		EQ/PIMCO Global Real Return
1290 VT High Yield Bond		EQ/PIMCO Ultra Short Bond
American Funds Insurance Series^® The Bond Fund of America^®		EQ/Quality Bond PLUS
EQ/Core Bond Index		Fidelity^® VIP Investment Grade Bond Portfolio
EQ/Intermediate Government Bond		Multimanager Core Bond
EQ/Money Market		Nomura VIP High Income Series

(b) Index-Linked Options

The following is a list of Segments of the Structured Investment Option (SIO) currently available under the contract. We may change the features of the Segments listed below (including the Index and 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 https://equitable.com/equivestsio. 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 of the SIO before the Segment Maturity Date, we may apply a Contract adjustment based on the Segment Interim Value. 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.


Index¹	Type of Index	Segment Duration	Segment Rate of Return Calculation Method	Current Limit on Index Loss (if held until Segment Maturity Date)	Minimum Limit on Index Gain for the life of the Segment Type Performance Cap Rate
S&P 500 Price Return Index	Market Index	1 year	Standard	-10% Segment Buffer	4%²
S&P 500 Price Return Index	Market Index	3 year	Standard	-20% Segment Buffer	12%
S&P 500 Price Return Index	Market Index	5 year	Standard	-20% Segment Buffer	20%
Russell 2000^® Price Return Index	Market Index	1 year	Standard	-10% Segment Buffer	4%²
Russell 2000^® Price Return Index	Market Index	3 year	Standard	-20% Segment Buffer	12%
Russell 2000^® Price Return Index	Market Index	5 year	Standard	-20% Segment Buffer	20%
MSCI EAFE Price Return Index	Market Index	1 year	Standard	-10% Segment Buffer	4%²

1	Each reference Index is a “price return index,” not a “total return index,” and therefore does not reflect dividends paid on the securities composing the Index. This will reduce the Index return and cause the Index to underperform a direct investment in the securities composing the Index.

2	5% in the State of New York.

We may change the Indices and/or Segment Options, 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. Our minimum Performance Cap Rate for 5 year Standard Segment Types is 20% (12% for 3 year Segments and 4% for 1 year Segments). We will not open a Segment with a Performance Cap Rate below the applicable minimum rate. See Appendix: “State contract availability and/or variations of certain features and benefits” in the prospectus for more information on state variations.

(c) Fixed investment options

Note: If amounts are removed from a Fixed investment option before the end of its term, we may apply a market value adjustment. This may result in a significant reduction in your account value.


Name	Term	Minimum Guaranteed Rate of Interest
Guaranteed Interest Option	N/A	1.0%
Fixed Maturity Options	1 year to 10 years	3.0%
Dollar Cost Averaging	N/A	N/A

For more information, please see “Fixed Maturity Options” under “Purchasing the Contract” and “Market Value Adjustment” under “Charges, Fees, and Adjustments in the prospectus.”

EQUI-VEST^®

Employer-Sponsored Retirement Plans

Issued by

Equitable Financial Life Insurance Company of America

Equitable Financial Life Insurance Company

We have filed with the Securities and Exchange Commission a prospectus and Statements of Additional Information (“SAI”) that includes additional information about EQUI-VEST^® Employer-Sponsored Retirement Plans, Equitable Financial Life Insurance Company of America, Variable Account AA, Equitable Financial Life Insurance Company and Separate Account A, respectively. The prospectus and SAI dated May 1, 2026, are incorporated by reference into this Summary Prospectus. The prospectus and SAI are available free of charge. To request a copy of the prospectus and SAI, to ask about your contract, or to make other investor inquiries, please call (800) 628-6673. The prospectus and SAI are also available at our website, www.equitable.com/ICSR#EQH146649.

Class/Contract Identifier: C000247529; C000257681 (EFLOA)

Class/Contract Identifier: C000024805; C000257702 (EFLIC)

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