SD
● Active
Standard Death Benefit
Equitable Financial Life Insurance Company of America
DTCC ID
—
COMPANY
Equitable Financial Life Insurance Company of America
TYPE
RILA
INCEPTION
Sep 22, 2025
Identity
Benefit name
Standard Death Benefit
Internal benefit name
Standard Death Benefit
Product policy type
RILA
Status
● Active
Sequence
1
Inception date
Sep 22, 2025
Closed date
—
DTCC Rider ID
—
Last modified
Sep 18, 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
—
Partial withdrawals
—
Required min distributions
—
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. Surviving spouse must be age 98 or younger (as of the death of deceased spouse) to continue the contract.
State Availability
Exception flag
No
Available in states
—
Benefit Description
Available during accumulation phase. The Death Benefit is paid when the owner dies, or when the second owner dies if the contract is jointly owned. If the contract is owned by a trust or another non-individual (non-natural owner), the benefit is paid when the annuitant dies, or the second annuitant in joint cases. After the seconds death, the beneficiary can receive the Death Benefit as a lump sum, through the Beneficiary Continuation Option (BCO) min amount for BCO is $5,000, the Spousal Option Annuity , or by annuitizing the contract. It guarantees that the beneficiaries will receive a benefit equal to account value.
Lifecycle Events
Cancellation
May not be cancelled.
Termination
May not be terminated.
Effect change ownership
If the contract owner is changed for any reason other than divorce, and this removes an owner, any Death Benefit rider (except the standard Account Value Death Benefit) will end, and the Death Benefit will switch to the Account Value only.