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Equitable

Equitable, a principal franchise of Equitable Holdings, Inc. (NYSE: EQH) has been one of America’s leading financial services providers since 1859. With the mission to help clients secure their financial well-being, Equitable provides advice, protection and retirement strategies to individuals, families and small businesses. Equitable has more than 8,000 employees and Equitable Advisors financial professionals and serves 2.8 million clients across the country. Reference to the 1859 founding applies specifically and exclusively to Equitable Financial Life Insurance Company.

Solutions

wdt_ID	Insurance Company	Product	Solution Type	Availability	Minimum Initial Investment	Maximum Issue Age	Max Total Contributions w/o Approval
1	Allianz Life	Index Advantage ADV℠	Registered Index-Linked Annuity	48 states (not NY,AK)	$10,000	80	$1,000,000
2	Allianz Life	Retirement Foundation ADV℠	Fixed Index Annuity	49 states (not NY)	$10,000	80	$1,000,000
3	Ameritas	Advisor No-Load VA	Variable Annuity	49 states (not NY)	$2,000	85	$1,000,000
4	Ameritas	Compass SPIA	Single Premium Immediate Annuity	50 states	$5,000 deposit or $ 50/Mo. Payout	85	$1,000,000
6	Ameritas	Advisor II VUL	Variable Universal Life	48 States (not CA or NY)	$100,000	80	$10,000,000
7	Ameritas	Value Plus Term Life Insurance	Term Life Insurance	50 States	N/A	80	N/A
10	MassMutual Ascend	Index Protector℠ 7	Fixed Index Annuity	49 states (not NY)	$100,000	85 (inherited 75)	$2M to 75, $1.5M 76-80, $1M 81+
11	Nationwide	Advisory Variable Universal Life	Variable Universal Life	48 states (Not MT or NY)	None	80	N/A
12	Symetra	Advisory Edge	Fixed Index Annuity	49 States (Not NY)	$10,000	85	$1,000,000
13	Symetra	Advisory Income Edge	Fixed Index Annuity	49 States (Not NY)	$10,000	85	$1,000,000
14	TIAA Life	Intelligent Variable Annuity	Variable Annuity	50 states	$2,500	88.5	$1,000,000
15	TIAA Life	Investment Horizon	Multi-Year Guaranteed Annuity	Not available in IL, IN, ND, OR, WA	$5,000	88.5	$500k in a calendar year
17	Transamerica	I-Share II Variable Annuity	Variable Annuity	50 states	$5k Non-Qualified; $1k Qualified	90	$1,000,000
18	Jackson	Jackson Retirement Investment Annuity^SM	Variable Annuity	50 States	$50,000	85	$2,500,000
19	Jackson	Perspective Advisory II^®	Variable Annuity	50 States	$25,000	85	$1,000,000
20	Jackson	Marketprotector Advisory^SM	Fixed Index Annuity	49 States (not NY)	$25,000	85	$2,500,000
21	MassMutual Ascend	Index Protector 5 MVA℠	Fixed Index Annuity	48 states	$50,000	89 (inherited 75)	$2M to 75, $1.5M 76-80, $1M 81+
22	MassMutual Ascend	Index Protector 4℠	Fixed Index Annuity	48 States	$50,000	90 (inherited 75)	$2M to 75, $1M 81+$2M to 75, $1.5M 76-80, $1M 81+
23	Protective Life	Investors Benefit Advisory VA	Variable Annuity	50 States	$5,000	85	$1,000,000
24	Pacific Life Insurance	Pacific Odyssey®	Variable Annuity	49 states (NY has own version)	$25,000	90 (85 in NY and OK)	$1,000,000
25	Pacific Life Insurance	Pacific Index Advisory®	Fixed Index Annuity	49 states (not available in NY)	$25,000	85	$1,000,000
26	Midland National® Life Insurance Company	IndexMax ADV^SM 5	Fixed Index Annuity	47 states (more to come)	$50,000	85	$1,000,000
27	Midland National® Life Insurance Company	IndexMax ADV^SM 7	Fixed Index Annuity	47 states (more to come)	$50,000	85	$1,000,000
28	Pacific Life Insurance	Pacific Advisory Variable Annuity	Variable Annuity	50 states	$25,000	90	$1,000,000
29	Midland National® Life Insurance Company	Constance^SM CDA	Contingent Deferred Annuity	44 states + DC (not MN, MT, NY, OR, UT, WA)	$50,000	80	$2,000,000
30	Jackson	Jackson Market Link Pro^SM Advisory	Registered Index-Linked Annuity	Not available in NY, OR, NE or HI at this time	$25,000	85	$1,000,000
31	Allianz Life	Index Advantage Income ADV^SM	Registered Index-Linked Annuity	49 states (not NY)	$5,000	80	$3,000,000
32	American Life	American Life Fee Based MYGA	Multi-Year Guaranteed Annuity	AZ, CO, DC, FL, GA, HI, ID, IL, IA, IN, KS, LA, MI, MO, MT, ND, NE, NV, NM, OH, OK, OR, SD, TX, UT	$10,000	90	$1,000,000
33	Midland National® Life Insurance Company	Oak ADVantage^SM	Multi-Year Guaranteed Annuity	49 States + DC (no NY)	$50,000	90	$1,000,000
34	MassMutual Ascend	Advantage 5 Advisory	Multi-Year Guaranteed Annuity	48 states (more to come)	$50,000	89 (inherited 75)	$2M to 75, $1.5M 76-80, $1M 80+
35	Midland National® Life Insurance Company	Midland National Capital Income	Fixed Index Annuity	All States (Except NY)	$20,000	80	$1,000,000
36	MassMutual Ascend	Index Achiever Advisory	Registered Index-Linked Annuity	34 states	$0	80	2,000,000 0-75 / 1,500,000 76-80
37	GILICO	GRL Guaranty Rate Lock	Multi-Year Guaranteed Annuity	46 states (not AK, HI, ME, NY)	$10,000	100	$5,000,000
38	Nationwide	Advisory Retirement Income Annuity	Variable Annuity	50 states	$25,000	95	$3,000,000
39	Nationwide	Monument Advisor	Variable Annuity	50 states	$15,000	95	$10,000,000
40	Nationwide	Advisory Income	Single Premium Immediate Annuity	49 states, not NY	$10,000	95	$3,000,000
41	Corebridge Financial	Power Index Advisory	Fixed Index Annuity		$25,000	85 (80 with election of GLB)	$1,000,000
42	Corebridge Financial	Assured Edge Advisory	Fixed Annuity		$25,000	80	$1,000,000
43	Protective Life	Investors Benefit Advisory VUL	Variable Universal Life	All states except NY	None	80	$5,000,000
44	Jackson	Market Link Pro^® Advisory II	Registered Index-Linked Annuity	Not available in OR, NE, NY (MO, VA, NJ only offer MLPA)	$25,000	85	$2,500,000
45	Equitable	Structured Capital Strategies PLUS 21 Series ADV	Registered Index-Linked Annuity	Not all segments available in all jurisdictions	$25,000	85 (ROP death benefit max 75)	$1,500,000
46	Equitable	Structured Capital Strategies Income ADV	Registered Index-Linked Annuity	Not all segments available in all jurisdictions	$25,000	80 (HAV death benefit max 75), minimum issue age of 45	$1,500,000
47	Equitable	Investment Edge 21 ADV	Variable Annuity	Not all segments available in all jurisdictions	$25,000	85	$1,500,000
48	Pacific Life Insurance	Pacific Harbor	Multi-Year Guaranteed Annuity	All states except NY	$25,000	85	$1,000,000
49	Pacific Life Insurance	Pacific Advisory Fixed Index Annuity	Fixed Index Annuity	All states except NY	$25,000 for Q and NQ	85	$1,000,000

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Important Disclosures

The Certificate is designed to protect investors who are concerned that, either because of withdrawals over time, poor market performance, or both, their Covered Asset Pool may be depleted during their lifetime. To address that need, the Certificate in effect provides a limited form of insurance against outliving your assets. The Certificate has no cash value, surrender value or death benefit. The Certificate is intended for long-term investment purposes. You should consider the risks and expenses of the annuity carefully before investing. The prospectus contains this and other information. You may contact your financial professional or call (877) 575-2742 to obtain a current prospectus for the contingent deferred annuity. Please read it carefully.

A.M. Best is a large third-party independent reporting and rating company that rates an insurance company on the basis of the company’s financial strength, operating performance, and ability to meet its obligations to policyholders. Ratings shown reflect the opinions of the rating agencies and are not implied warranties of the company’s ability to meet its financial obligations. The above ratings apply to Midland National’s financial strength and claims-paying ability.

A.M. Best rating affirmed on July 30, 2021. For the latest rating, access ambest.com. Awarded to Midland National^® as part of Sammons^® Financial Group Inc., which consists of Midland National^® Life Insurance Company and North American Company for Life and Health Insurance^®.

Constance CDA is not a pension, nor does it contain all of the same features or benefits of a pension; it is a contingent deferred annuity which is a type of insurance product.

The Constance^SM Group Contingent Deferred Annuity (AG206A (contract) and AC206A (certificate) is issued by Midland National^® Life Insurance Company, West Des Moines, Iowa 50266, distributed by EF Legacy Securities, LLC, member FINRA and underwritten by Sammons Financial Network^®, LLC., member FINRA. The Constance^SM Group Contingent Deferred Annuity is not available in New York.

Product and feature availability may vary by state and program sponsor.

Sammons Financial Network^®, LLC. and Midland National^® Life Insurance Company are wholly owned subsidiaries of Sammons^® Financial Group, Inc. and are not affiliated with EF Legacy Securities, LLC and RetireOne.

The Constance^SM group contingent deferred annuity is not a subscription service and the amounts you pay for the benefits provided by this annuity are referred to in the group contract and certificate as fees. Failing to pay the required fees may result in termination of benefits including the “coverage amount” described herein.

Registered investment advisors* (financial advisors) who work with our appointed insurance agents (financial professional(s)) operate independently from Midland National and vary in the extent to which they use the insurance products available to any respective financial professional.

*Midland National does not evaluate, endorse, recommend, or guarantee the services of any financial advisor. You have the relationship and hiring decisions with your financial advisor. As such, we will not supervise or monitor the financial advisor’s activities or your overall investment portfolio, nor are we responsible for the performance of your investments. We have no discretionary authority or control, or liability for any damages with respect to how your financial advisor manages your investment assets.

Midland National^® Life Insurance Company does not give tax, legal, or investment advice. Please consult with and rely on your own tax, legal, or investment professional(s).

The certificate is not designed for resale or speculation, arbitrage, viatical settlements or any type of collective investment scheme. The contract may not be traded on any stock exchange or secondary market. By purchasing the contract, you represent and warrant that you are not purchasing or intending to use the contract, and any of its riders, for resale, speculation, arbitrage, viatical settlements or any type of collective investment scheme.

The Constance^SM Group Contingent Deferred Annuity can play an important role in your retirement plan but may not be for everyone. Before investing, you and your financial advisor should discuss aspects that affect the appropriateness of your situation, including cost, investment timeframe and other retirement assets you may have.

This is neither an offer to sell nor a solicitation to buy. Before purchasing this product, you must receive a current prospectus that includes information regarding risk factors, fees, expenses, investment objectives, and policies. Read the prospectus carefully before you invest any money.

Before replacing an annuity, review the current policy for loss of benefits or surrender charges you may incur. Some of the fees you are paying in your current annuity could be for benefits other annuities do not provide. When considering a 1035 exchange, the replacement annuity is potentially subject to additional fees including a new surrender schedule.

This is a not the story of an actual investor. It is a narrative designed to illustrate the potential value of a packaged solution to solve a specific client need. It is not intended as a testimonial or endorsement of any particular product.

Testimonials may not be representative of the experience of other financial professionals. Testimonials are no guarantee of future performance or success. No fees were paid to the financial professionals who provided these testimonials.

Guarantees are subject to the claims paying ability of the issuing insurance company.

Annuities on the RetireOne platform include low-cost, commission-free products that don't charge surrender penalties. They feature low-cost underlying investment options from fund families like Vanguard and DFA with expense ratios as low as .03%, and average portfolio expenses ranging from 0.63% to 1.02%. M&E fees in these annuities range from 0.20% to .50%, which represents a cost savings relative to traditional products that charge an average 1.32% in M&E fees (source: Morningstar 12/18).

No-load insurance and annuities do not pay the traditionally high commissions for the sale of these products. Other fees and expenses including subaccount fees, M&E charges, administrative fees, optional rider fees, surrender charges, and other insurance-related fees may apply.

We recommend that you consult with a tax professional when considering annuities or other investments.

RetireOne is paid a nominal administration and service fee by insurers to support the platform through which these products are offered to advisors and their clients.

¹Assumes a fee difference of 90 bps—45 bps M&E for no-load VA vs. 135 bps for average traditional VA (according to Morningstar 12/18).

²First-year fee savings based on $200,000 traditional variable annuity account charging 135 bps M&E vs. IOVA charging 45 bps with a 6% return assumption.

Ameritas Advisor No-Load VA (form 6150) and Ameritas Advisor VUL® (form 4051) are issued by Ameritas Life Insurance Corp. and underwritten by affiliate Ameritas Investment Corp. Variable annuities are suitable for long-term investing, particularly for retirement, and are subject to investment risk, including possible loss of principal. Before investing, carefully consider the investment objectives, risks, charges and expenses and other important information about the policy issuer and underlying investment options. This information can be found in the policy and investment option prospectuses, which are available on this website. Please read the prospectuses carefully before investing or sending money. Products are not available in NY.

RetireOne is not an affiliate of Ameritas.

Sammons Financial^® is the marketing name for Sammons^® Financial Group, Inc.’s member companies, including Midland National^® Life Insurance Company. Annuities and life insurance are issued by, and product guarantees are solely the responsibility of, Midland National Life Insurance Company.

The IndexMax ADV^SM is issued on base contract form AS203A/ICC20-AS203A, or appropriate state variation including all applicable endorsements and riders. This product, its features and riders may not be available in all states.

Midland National^® provides the guarantees through its general account.

Midland National does not evaluate, endorse, recommend, or guarantee the services of any financial advisor. You have the relationship and hiring decisions with your financial advisor. As such, we will not supervise or monitor the financial advisor's activities or your overall investment portfolio, nor are we responsible for the performance of your investments. We have no discretionary authority or control, or liability for any damages with respect to how your financial advisor manages your investment assets. Withdrawals taken prior to age 59 1/2 may be subject to IRS penalties.

Registered investment advisors (financial advisors) who work with our appointed insurance agents (financial professional(s)) operate independently from Midland National and vary in the extent to which they use the insurance products available to any respective financial professional.

Securities offered through EF Legacy Securities, LLC (EFLS). EFLS is a member of FINRA/SIPC, registered in all 50 states and is a licensed insurance agency (resident KY license no. DOI-896601). In CA, EFLS is doing business as EF Legacy Insurance Agency LLC (nonresident license no. 0L01472).

Non-registered insurance products are sold by RetireOne, Inc. (RetireOne), a licensed insurance agency (resident KY license no. DOI-778494). In CA and AR, RetireOne is doing business as R1 Insurance Solutions, Inc., (nonresident license no. 0H44773 and 100107906, respectively).

FOR FINANCIAL PROFESSIONAL USE ONLY. NOT FOR CONSUMER USE.