Variable Account AA Sample Contracts

ASSUMPTION REINSURANCE AGREEMENT Between EQUITABLE FINANCIAL LIFE INSURANCE COMPANY (referred to as the Ceding Company) and EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA (referred to as the Assuming Company)
Assumption Reinsurance Agreement • April 19th, 2024 • Variable Account AA

THIS ASSUMPTION REINSURANCE AGREEMENT (this “Agreement”) is made and entered into on January1, 2024 by and between Equitable Financial Life Insurance Company, a New York-domiciled insurance company (the “Ceding Company”), and Equitable Financial Life Insurance Company of America, an Arizona -domiciled insurance company (the “Assuming Company”). For purposes of this Agreement, the Ceding Company and the Assuming Company shall each be deemed a “Party” and together the “Parties.”

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TWELFTH AMENDMENT TO GENERAL AGENT SALES AGREEMENT
General Agent Sales Agreement • April 19th, 2024 • Variable Account AA

This TWELFTH AMENDMENT TO GENERAL AGENT SALES AGREEMENT, dated as of November 1st, 2023, is by and between EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA (f/k/a MONY Life Insurance Company of America), an Arizona life insurance company (“Equitable America”), and EQUITABLE NETWORK, LLC (f/k/a AXA Network, LLC), a Delaware limited liability company (“General Agent”).

FIRST AMENDMENT TO PARTICIPATION AGREEMENT
Participation Agreement • April 19th, 2024 • Variable Account AA

Equitable Financial Life Insurance Company, a New York life insurance company, and Equitable Financial Life Insurance Company of America, an Arizona life insurance company (collectively, the “Company”), Principal Variable Contracts Funds, Inc., an open-end management investment company organized under the laws of Maryland (the “Fund”), Principal Global Investors, LLC, a Delaware limited liability company (the “Adviser”), and Principal Funds Distributor, Inc., a Washington corporation (the “Distributor”), entered into a certain Participation Agreement dated January 7, 2022, (the “Participation Agreement”). This Amendment (the “Amendment”) to the Participation Agreement is entered into as of 9/20/2023 | 2:46 PM EDT, 2023, by and among the Company, on its own behalf and on behalf of each separate account of the Company as set forth in the Participation Agreement, as may be amended from time to time (individually and collectively the “Separate Accounts”), the Fund, the Adviser and the Dist

Owner: JOHN DOE Annuitant: JOHN DOE Contract Number: 12345 Contract Date: January 1, 2023
Flexible Premium Deferred Fixed and Variable Annuity Contract • August 5th, 2022 • Variable Account AA

This is the entire Contract. This Contract is issued in return for the Contributions to be made to us under this Contract. This Contract becomes effective on the Contract Date. The Annuitant and the Owner must be living on the Contract Date.

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