Retirement Products and Services |
Guaranteed Growth Annuity
Safety, Stability and Guarantees
Guaranteed Interest Rates
Tax-Deferred Growth
Principal Guarantee
This page highlights some of the features and benefits of this product. For more complete details, please download the full product fact card, above.
- Key Features
- Next Steps
Guaranteed Interest Rates |
Your annuity earns tax-deferred interest at a guaranteed interest rate for a guaranteed period. When you buy a Guaranteed Growth Annuity (GGA) contract, you choose a guaranteed period of either one or five years. The initial interest rate is guaranteed for either one or five years, depending on which option you choose. Because the initial one-year rate includes an interest rate enhancement, the rate after the end of the initial period may be lower. |
Tax-Deferred Growth |
Your balance grows on a tax-deferred basis. You only pay taxes on gains when you withdraw your money — typically in retirement when your tax bracket will be lower — providing potentially higher net returns for you. |
Principal Guaranteed by AXA Equitable |
AXA Equitable guarantees that you will always receive at least your principal (adjusted for withdrawals), when you surrender your contract. |
Guaranteed Minimum Renewal Rate |
At the end of the guaranteed period chosen, you will receive a renewal rate guaranteed never to be lower than the minimum guaranteed interest rate specified in your contract. Renewal rates may be either higher or lower than what we are currently paying under new contacts issued at that time. |
Access to Your Money |
You can withdraw 10% of your account value each year without incurring surrender charges. Surrender charges apply during the first 5 years of the contract. If a withdrawal is taken prior to age 59½, it may be subject to a 10% federal income tax penalty |
Lifetime Income Options |
You can even convert your annuity later into a lifetime income stream for you, and if you wish, your spouse. |
This is a general summary of the key provisions of this contract; however, variations by state may apply, and policyholders should refer to the actual policy for a complete description of applicable provisions.
This contract has limitations. For costs and complete details of coverage, contact your financial professional.
The Guaranteed Growth Annuity is issued by AXA Equitable Life Insurance Company (AXA Equitable).
Contract form #SPDA-96 and any state variations
1290 Avenue of the Americas, New York, NY 10104, (212) 554-1234
GE-42885 (2/08)
Variable Investment Options
Growth Potential
Our variable investment options offer the opportunity to direct how your annuity contributions or life insurance premium payments are invested among a wide array of stock, bond, international and money market investment options.
This access provides an opportunity for growth of your account value. Please keep in mind that variable investment options are subject to fluctuations in value and market risk, including loss of principal.
Quality
Evaluating investment options has never been easy. And in today’s investment environment, where investors have literally thousands of choices. You need an objective and expert guide.
Through a multiple-step selection process, we systematically narrow the universe of money management firms to identify money managers that are best suited to meet specific investment goals.
Many of our money managers are household names you’re sure to recognize. Others are better known among large institutional investors.
Choice
Our variable investment option platform is designed to help meet the needs of a wide variety of investors, while being responsive to an ever-changing market environment. We offer a carefully selected menu of investment options that meets the needs of diversification-minded investors, while accommodating individual preferences and risk appetites.
Simplicity
For investors who want a simplified approach to building a diversified portfolio, a series of asset allocation portfolios are available. No matter which series you choose, each portfolio is constructed as a "fund-of-funds," diversified by AXA Equitable’s team of investment specialists. With one simple investment, you gain access to the combined performance of multiple portfolios, depending on the strategy chosen.
The Benefits of AXA Allocation Portfolios managed by AXA Equitable
- Tailored to Meet Your Goals — you can pursue your individual goals whether based on your personal risk tolerance or time horizon
- Convenient — you get a well-diversified investment program in a single portfolio, utilizing multiple money managers, asset classes and investment styles
- Professionally Managed — you can access well-established money managers, monitored continuously and replaced when necessary
- Automatic Rebalancing — portfolios are rebalanced regularly by trained professionals to keep your investment on track
Please note that AXA Allocation Portfolios entail fees and costs in addition to the fees and costs incurred in the Portfolios' underlying investment earnings.
Performance
As many investors have learned, a portfolio manager can suddenly leave a firm, or deviate from his or her investment style in pursuit of short-term returns. Many times these changes occur without the investors’ knowledge, which could alter the course of a disciplined investment strategy.
That’s why our seasoned team of investment professionals continuously “manages the managers” once they have been selected. This is a dynamic process that holds each money manager accountable and keeps them focused on delivering consistent, long-term results.
Learn More
To learn more about the individual investment options, such as investment strategy, Morningstar rating, top holdings and more, browse our Variable Investment Portfolio Fact Sheets.
You should consider the charges, risks, expenses, and investment objectives carefully before investing. Please click the link at the top of this page to download the product prospectus, which contains this and other information
Variable products are issued by AXA Equitable Life Insurance Company (NY, NY) and are co-distributed by affiliates AXA Advisors, LLC and AXA Distributors, LLC.
GE 43448 (3/08)
Professional Guidance Counts
Your financial professional can be an invaluable in helping you:- Complete a financial needs analysis
- Evaluate the financial strategies available to you, and
- Select appropriate financial products designed to help you reach your goals
