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Structured Capital Strategies®

From Equitable

Structured Capital Strategies® offers clients index-linked upside potential with protection from market downside.

The Market1

Structured Variable Annuities were first introduced by AXA (now Equitable) in 2010, and are now offered by multiple carriers. In 2020, sales of Structured Variable Annuities increased 38% ($4.8B) between Q1 and Q2, more than any other annuity product type. Concerns about equity market volatility may be one of the key factors contributing to this significant increase in buffer annuity sales.

Why DPL Likes Structured Capital Strategies®

Clients can choose from 12 indexes, including specific sectors like financials, gold, oil,etc., along with duration and level of protection. For those seeking a preset option, the 3-Year Choice Segment is available with a protection up to 10%, offering clients higher performance cap rates than the standard segments. Structured Capital Strategies is designed with 100% liquidity, providing clients with access to the cash value if needed.

How to Think About Commission-Free SVAs

Structured Variable Annuities fall in the middle of variable annuities and fixed indexed annuities in terms of risk tolerance. Investors may utilize SVAs for equity allocations to capture upside while reducing portfolio risk, as these products often provide cushion against major market losses.

When your client needs: 

PRINCIPAL PROTECTION: Structured variable annuities are typically used for clients nearing retirement. They offer a level of protection against sequence of returns risk, while also providing the potential for higher returns due to higher cap rates than other structured insurance vehicles.

EQUITY ALLOCATION: Structured variable annuities can be utilized to de-risk portfolios from equity market exposure, while still providing market exposure.

What's Next?

Learn more about how Structured Capital Strategies® can make a difference for your clients. Use our calculator or contact your DPL consultant.

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Investing in variable annuities involves risk, including potential loss of principal. There are risks, fees and charges associated with variable annuities and clients should be instructed to read the prospectus and/or summary prospectus carefully and to consider the investment objectives of the variable annuity as well as the underlying investment options carefully before making a purchasing decision.

Variable annuities are designed for long-term investing, such as retirement investing and are subject to market risk, including loss of principal.

Purchasing a variable annuity within a retirement plan that provides a tax deferral under sections of the Internal Revenue Code results in no additional tax benefit. A variable annuity should be used to fund a qualified plan based upon the variable annuity’s features other than tax deferral. All variable annuity features, risks, limitations, and costs should be considered prior to purchasing a variable annuity within a tax-qualified retirement plan.

Guarantees are backed by the financial strength and claims paying ability of the issuing insurance company


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DPL Financial Partners does business in the state of California as DPL Insurance Solutions
under California License #0M42434.

Securities offered through The Leaders Group, Inc. Member FINRA / SIPC
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