Annuities and Retirement Planning Strategies

Planning Your Future

Introducing Retirement Cornerstone®

Retirement Cornerstone® is AXA Equitable’s innovative response to today’s challenges.

The typical retirement period is now generally considered to be longer than at any time in history and the price of health care and other services of concern to retirees continues to climb. As a result, today’s retirees and pre-retirees have a greater need than ever to tap into the potential wealth-building power of the stock market.

However, the stock market’s recent turbulence continues to spark fears of ongoing volatility among investors everywhere. What’s more, there is uncertainty over where tax rates are headed, as well as concern for the future of Social Security.

Against this backdrop, AXA Equitable has called upon its unique perspective and expertise as a leader in financial protection for over 150 years to respond to the retirement needs of Americans in today’s changing financial landscape.

The result is Retirement Cornerstone – a variable annuity developed to help meet the challenges of planning and saving for retirement. Retirement Cornerstone’s combination of investment and income protection features are designed to help you:

Accumulate: Assets for the Future
Guarantee: Income for Life
Control: Your Ongoing Retirement Strategy

The advantage of Retirement Cornerstone’s innovative parallel design allows you to capitalize on the performance of the equities markets with the confidence that your assets have access to a lifetime income benefit.

The Investment Performance Account offers an extensive platform of over 110 highly rated investment portfolios from well-known investment managers.

The Protection with Investment Performance Account houses the Guaranteed Income Benefit (GIB), available for an additional fee, which ensures you will be able to generate lifetime no matter how your investment portfolios perform, and no matter how long you live, as long as you stay within certain withdrawal guidelines.

As your needs change over the years, you can simply transfer assets from the Investment Performance Account to the Protection with Investment Performance Account until age 75. Transfers from the Protection Account to the Investment Performance Account are not allowed.

What is a variable deferred annuity?

A variable deferred annuity is a long-term product designed to deal with retirement financial issues. Simply stated, an annuity is a contract between you and an insurance company that lets you pursue the accumulation of assets through stock (equity) and other investment portfolios, and then receive lifetime payments during the distribution phase of the contract.

Important Information
Certain features available with the Retirement Cornerstone® variable annuity, including enhanced death benefits, are optional and entail an additional cost; you do not have to elect these optional features in order to purchase a Retirement Cornerstone® contract. Also, the IRS requires the owner of an IRA or Qualified Plan annuity contract to include the actuarial present value of certain optional benefits (which may include some of these Retirement Cornerstone® optional features) in the calculation of lifetime Required Minimum Distribution payments. Withdrawals from an annuity contract are taxable as ordinary income, not as capital gain and, if made prior to age 59½, may be subject to an additional 10% federal income tax penalty. Withdrawals may also be subject to surrender charges. Withdrawals may reduce the death benefit, living benefit and cash surrender value. For tax purposes, withdrawals will come from any gain in the contract first.

AXA Equitable may discontinue contributions and transfers among investment options or make other changes in contribution and transfer requirements and limitations. If we discontinue contributions and transfers into the Protection with Investment Performance Account, you will no longer be able to create a Benefit Base or actively increase the benefit(s).

This piece is not a complete description of all material provisions of the Retirement Cornerstone® variable annuity contract. This piece must be preceded or accompanied by a current Retirement Cornerstone® Series prospectus and any applicable supplements. The prospectus contains more complete information, including investment objectives, risks, charges, expenses, limitations and restrictions. Please read the prospectus and any applicable supplements, and consider this information carefully before purchasing a contract.

Fees and Expenses
There are fees and charges associated with the Retirement Cornerstone® contract, which include, but are not limited to, mortality and expense risk charges, sales and withdrawal charges, administrative fees, and additional charges for optional benefits. The contingent withdrawal charge declines from 7% over a seven-year period for the Series B product. Please see the prospectus for the withdrawal charge scale for other annuities in the Retirement Cornerstone® Series. Amounts in the annuity’s variable investment portfolios are subject to fluctuation in value and market risk, including loss of principal. For costs and complete details of coverage, speak to your financial professional. Certain types of contracts, features and benefits may not be available in all jurisdictions. We offer other variable annuity contracts with different fees, charges and features. Not every contract is available through the same selling broker/dealer.

You can contact us at (212) 554-1234 to find out the availability of other contracts.

AXA Equitable Life Insurance Company, through its AXA Funds Management Group (AXA FMG), serves as investment manager of the AXA Strategic Allocation Portfolios. AXA Equitable is solely responsible for the asset allocation decisions made on behalf of each portfolio, and for the selection and allocation of assets to underlying funds.

This website was prepared to support the promotion and marketing of AXA Equitable variable annuities. AXA Equitable, its distributors and their respective representatives do not provide tax, accounting or legal advice. Any tax statements contained herein were not intended or written to be used, and cannot be used, for the purpose of avoiding U.S. federal, state or local tax penalties. Please consult your financial professional as to any tax, accounting or legal statements made herein.

Call your financial professional or visit our Web site at www.axa-equitable.com Guarantees described herein are subject to the claims-paying ability of AXA Equitable Life Insurance Company. The guarantees do not apply to the investment portfolios. Retirement Cornerstone® is a service mark of AXA Equitable Life Insurance Company, New York, NY 10104. Retirement CornerstoneSM variable annuities are issued by AXA Equitable Life Insurance Company, New York, NY 10104.

Co-distributed by affiliates AXA Advisors, LLC and AXA Distributors, LLC, New York, NY 10104.

AXA Equitable, AXA Advisors and AXA Distributors do not provide legal or tax advice.

Contract form #s: 2010BASE-A/B, 2010BASE-I-A/B, 2010BASE-I-A(WA) and any state variations

1290 Avenue of the Americas, New York, NY 10104, (212) 554-1234

GE 60905 (rev 4/11)

Investment Performance

Investment Performance Account	With over 100 funds spanning a multitude of management styles, Retirement Cornerstone offers a comprehensive investment platform with the: Flexibility to align your portfolios with your individual investment preferences Opportunity for increased diversification, and Ability to accumulate your assets on an entirely tax-deferred basis.
Invest with Some of America’s Most Established Asset Managers	The lineup features a range of investment portfolios from well-respected investment management organizations, including:
Our Investment Expertise	The investment options are chosen by more than 40 investment professionals in AXA Equitable’s Funds Management Group (FMG). To ensure that each portfolio continues to meet FMG’s stringent investment standards, the team continuously monitors its strategy, characteristics, and performance. With more than $89.2 billion of assets, FMG ranks among the top 10 percent of U.S. fund complexes, based on size as of Dec. 31, 2010.
Portfolio Management Styles	Actively managed portfolios Securities of these portfolios are bought and sold with the goal of outperforming the portfolios’ benchmark and peer group. Passive portfolios Portfolios replicate the components, characteristics and performance of a particular equity or fixed-income index. (Investors cannot invest directly into an index.) Portfolios are periodically rebalanced to reflect changes in an index, but are not actively managed. Hybrid portfolios Assets are divided between “active” and “passive” strategies. Each strategy is managed separately by a different management team, and in some cases, different subadvisors. Some include Exchange-Traded Funds, or ETFs, for added diversification benefits.
Invest the Way You Want	With the Investment Performance Account, you have the flexibility to align your portfolios with your individual investing preferences — whether particular investing styles or asset classes, a specific time frame for building your retirement assets, or a focus on your individual tolerance for risk. Your financial advisor can help you decide which strategy is right for you. You may employ actively managed portfolios, passive strategies, or hybrid strategies to any of the following categories: Equity Funds U.S. Equity Funds International Equity Funds Concentrated Sector Funds Fixed-Income Funds U.S. Government Bonds U.S. Corporate Bonds Emerging Markets Bonds Global Bonds High Yield Bonds Allocation Funds Traditional Allocation funds Tactical Allocation Funds Strategic Allocation Funds Target Date Funds Alternative Strategies In addition to the investment strategies listed above, you can also select from alternative strategies: Merger and Acquisitions Bear Market Commodity Natural Resources
A One-Stop-Shop Approach	As you approach retirement, your investment goals may well shift from an emphasis on growth to a need for some protection. Retirement Cornerstone’s unique product design gives you the ability to adjust your strategy. Its dual-account structure allows you to adjust your course as you gradually shift from growth and accumulation, to guaranteed income for life and legacy planning. The Guaranteed Income Benefit (GIB) is an optional feature and available at an additional cost and is subject to certain income, investment, and age restrictions and limitations.