Form 497VPU SEPARATE ACCOUNT A
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E-mailMOMENTUM PLUSSM
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#EQH146681. 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.
MOMENTUM PLUSSM is a group deferred annuity contract. 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. 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, taxes, and tax penalties.
All guarantees are subject to the Company’s financial strength and claims paying ability.
Additional information about certain investment products, including variable annuities, has been prepared by the Securities and Exchange Commission’s staff and is available at Investor.gov.
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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.
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Important information you should consider about the contract
| FEES AND EXPENSES | ||||||||||
| 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 before the end of the 5th contract year since your last contribution, you will be assessed a withdrawal charge of up to 6% of the amount withdrawn, or 8.5% of contributions made on behalf of the participant, whichever is less. 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 you have to pay taxes, or tax penalties.
For additional information about the charges for surrenders and early withdrawals charges see “Withdrawal charge” in “Charges under the contracts” under “Charges and expenses” in the prospectus. |
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| Are There Transaction Charges? | Yes. In addition to withdrawal charges you may also be charged for other transactions (including loans and for special requests such as express mail or duplicate contracts). If an employer or plan trustee elects our recordkeeping option, checkwriting fees may apply.
For additional information about transaction charges see “Charges under the contract” in “Charges and expenses” in the prospectus. |
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| Are There Ongoing Fees and Expenses? | Yes. The contract provides for different ongoing fees and expenses. The table below describes the fees and expenses that you may pay each year under the contract, depending on the options you choose. Please refer to your contract specifications page of your contract for information about the specific fees you will pay each year based on the options you have elected.
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| Annual Fee | Minimum | Maximum | ||||||||
| Base Contracts(1) | 0.80% | 1.35% | ||||||||
| Portfolio Company fees and expenses(2) | 0.54% | 1.73% | ||||||||
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(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, or make any other transactions, which could add withdrawal charges that substantially increase costs. |
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| Lowest Annual Cost $1,262 |
Highest Annual Cost $2,686 |
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| 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 |
Assumes: • Investment of $100,000 • 5% annual appreciation • Most expensive combination of contract, optional benefits and Portfolio fees and expenses • No sales charges • No additional contributions, transfers, loans or withdrawals |
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| For additional information about ongoing fees and expenses see “Fee table” in the prospectus. | ||||||||||
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| 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 retirement 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.
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| 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.
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| What are the Risks Associated with the Investment Options? | An investment in the contract is subject to the risk of poor investment performance and can vary depending on the performance of the variable investment options available under the contract, (e.g., the Portfolios). Each investment option, including the guaranteed interest option, has its own unique risks. You should review the investment options available under the contract before making an investment decision.
For additional information about the risks associated with investment options see “Variable investment options”, “Portfolios of the Trust”, “Fixed investment options” and “Guaranteed interest option” in “Purchasing the Contract” as well as, “Risks associated with the variable investment options” in “Principal Risks of investing in the contract” in the prospectus. See also Appendix “Investment options available under the contract” in the prospectus.
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| 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 retirement account value and the optional benefits. The general obligations, the guaranteed interest option, including the fixed investment 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.
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| 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 retirement account value from any variable investment option to another variable investment option.
For more information see “About Separate Account A” in “More information” in the prospectus.
Contributions and transfers into and out of the guaranteed interest option are limited.
For additional information about restrictions on investment options, including information regarding volatility management strategies and techniques, see “Portfolios of the Trust” in “Purchasing the Contract”, and “Transfer charge” in “Charges and expenses” in the prospectus.
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| 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.
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| 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.
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| 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.
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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#EQH146681. You can request this information at no cost by calling 1-877-522-5035 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) |
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| TYPE | Portfolio Company — Investment Adviser; Sub-Adviser(s), as applicable | 1 year | 5 year | 10 year | ||||||||||||||
| Equity | 1290 VT Equity Income — Equitable Investment Management Group, LLC (“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% | |||||||||||||
| 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 Socially Responsible — EIMG; BlackRock Investment Management, LLC |
0.90% | 17.23% | 13.04% | 13.83% | |||||||||||||
| 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% | |||||||||||||
| Equity | EQ/American Century Mid Cap Value — EIMG; American Century Investment Management, Inc. |
1.00% | ^ | 8.72% | 8.64% | — | ||||||||||||
| 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/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-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/Equity 500 Index — EIMG; AllianceBernstein L.P. |
0.53% | ^ | 17.24% | 13.79% | 14.16% | ||||||||||||
| 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% | ||||||||||||
| 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 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/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% | ||||||||||||
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| Current Expenses |
Average Annual Total Returns (as of 12/31/2025) |
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| TYPE | Portfolio Company — Investment Adviser; Sub-Adviser(s), as applicable | 1 year | 5 year | 10 year | ||||||||||||||
| 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/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/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-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 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% | |||||||||||||
| 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. |
| † | 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. |
(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.
| Name | Term | Minimum Guaranteed Interest Rate | ||
| Guaranteed interest option | N/A | 3.00% |
See “Fixed investment options” in “Purchasing the contract” in the prospectus for a description of the Fixed investment options’ features.
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MOMENTUM PLUSSM
Issued by
Equitable Financial Life Insurance Company
We have filed with the Securities and Exchange Commission a Prospectus and a Statement of Additional Information (“SAI”) that include additional information about MOMENTUM PLUSSM, the Company and Separate Account A. 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) 528-0204. The Prospectus and SAI are also available at our website, at www.equitable.com/ICSR#EQH146681.
Class/Contract Identifier: C000024812
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