I regret the day I got involved with Evlico. I've been paying into this insurance policy/retirement annuity for 40 years and now I find that the only way to withdraw funds from the Separate Account is to borrow them at 5 1/2%. That may not be the most absurd thing I've ever encountered but it's damn close. Their customer service is off shored and absolutely useless and like trying to have a conversation with a cinder block. I think they keep changing their name to outrun their reputation. First it was Evlico, then AXA Equitable, and now Equitable Financial Life Insurance Company. STAY AWAY. read more