The Retirement Gateway® group variable annuity

Retirement Gateway® is designed to deliver what busy companies want — a commitment to keeping costs affordable, while delivering a turnkey plan designed to minimize the time needed to manage it. Retirement Gateway® features a team of retirement plan professionals who will help make sure a plan meets objectives. Association members would have access to leading-edge plan features, from an outstanding provider at a special group cost.

Business owner or professional member's, time and energy are generally best devoted to growing and managing the business, practice, or career. If an association offers Retirement Gateway® from Equitable — they get a leading provider whose dedicated retirement professionals will assist them every step of the way.

Please be advised that this material is not intended as legal or tax advice. Accordingly, any advice provided in this material is not intended or written to be used, and cannot be used, by any taxpayer for the purpose of avoiding penalties that may be imposed on the taxpayer. Such advice was written to support the promotion or marketing of the transaction(s) or matter(s) addressed and you should seek advice based on your particular circumstances from an independent tax advisor.

Retirement Gateway® is a group variable annuity contract issued by Equitable Financial Life Insurance Company (NY, NY) and co-distributed by affiliates Equitable Advisors, LLC and Equitable Distributors, LLC (members FINRA, SIPC), New York, NY 10104. Equitable Financial, Equitable Advisors and Equitable Distributors do not provide legal or tax advice and are not affiliated with Wilshire Associates Incorporated.

Guarantees are based on the claims-paying ability of Equitable Financial Life Insurance Company.

Retirement Gateway® contains a Contingent Withdrawal Charge that when applicable, will not exceed a maximum of 6% of the amount withdrawn nor be applied for longer than five years from the Contract Date.

This material is not a complete description of all material provisions of the contract. Please read the Retirement Gateway disclosure brochure and trust prospectus before purchasing a contract. Certain types of contracts and features may not be available in all jurisdictions.

Retirement Gateway® contract form #s: 2005GAC-QP, 2012RDPIB-RIG, 2012QPRG and any state variations.

Retirement Gateway® and NowPlan® are registered service marks and Save 1-2-3sm is a service mark of Equitable Financial Life Insurance Company. Wilshire® is a registered service mark of Wilshire Associates Incorporated, Santa Monica, California. All other trade names, trademarks, and/or service marks are the property of their respective holders.

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