RO
● Active
Return of Premium Death Benefit
Equitable Financial Life Insurance Company of America
DTCC ID
—
COMPANY
Equitable Financial Life Insurance Company of America
TYPE
RILA
INCEPTION
Nov 22, 2021
Identity
Benefit name
Return of Premium Death Benefit
Internal benefit name
Return of Premium Death Benefit
Product policy type
RILA
Status
● Active
Sequence
1
Inception date
Nov 22, 2021
Closed date
—
DTCC Rider ID
—
Last modified
May 01, 2025
Life & Age
Based on life
Owner (or Annuitant if owner is a non-natural person)
Single life
No
Joint life
No
Min age
—
Max age
—
Rider select rule
Mandatory
Waiting period
—
Waiting term
—
Benefit Base
Maximum benefit base
—
Maximum benefit base %
—
With reduce benefit base
—
Subsequent premium
Subsequent Premium will increase benefit base.
Partial withdrawals
Withdrawals will reduce benefit base proportionally.
Required min distributions
Required Minimum Distributions will reduce the return of premium benefit base proportionally.
Coverage Flags
Exclude premium bonus
No
Spousal continuation option
Yes
Spousal continuation detail
Surviving spouse may elect to continue benefit under certain conditions after death of owner.
State Availability
Exception flag
No
Available in states
—
Benefit Description
Available during the accumulation phase, upon the death of owner, the death benefit is greater of the 1) account value, or 2) total of all purchase payments, adjusted for withdrawals.
Lifecycle Events
Cancellation
Once elected may not be cancelled.
Termination
Once elected may not be terminated.
Available when added
Available at contract issue.
Effect change ownership
Change in ownership will result in termination of rider except under certain conditions.