Annuities

An annuity is long-term retirement product that can help protect you against the risk of outliving your assets. It is a contract between you and an insurance company: you receive future income in return for your contributions.

Any earnings on contributions are tax-deferred until they are withdrawn, usually at retirement. You may receive income in a number of ways, including payments that will last for as long as you live. Annuities can be a valuable addition to your retirement plan.

Annuities may help you:

• Receive retirement income payments for as long as you live
• Protect beneficiaries with a death benefit  
• Diversify your investments
• Provide an opportunity for growth on a tax-deferred basis
• Avoid outliving your assets

Annuities are issued by AXA Equitable Life Insurance Company (NY, NY) and by various unaffiliated carriers through AXA Network, LLC and its subsidiaries. Variable life insurance and variable annuities are co-distributed by AXA Distributors, LLC and AXA Advisors, LLC, members  FINRA, SIPC. AXA Equitable, AXA Network , AXA Distributors and AXA Advisors are affiliated companies and do not provide legal or tax advice. All guarantees are based on the claims-paying ability of AXA Equitable. The guarantees do not apply to investment portfolios. 

Annuities contain certain limitations and restrictions. There are fees and charges associated with annuities, which include, but are not limited to, mortality and expense risk charges, sales and withdrawal charges, administrative fees, and charges for optional benefits. Amounts in a variable annuity's investment portfolios are subject to fluctuation in value and market risk, including loss of principal. The variable contract, when redeemed may be worth more or less than the total amount invested. A financial professional can provide cost information and complete details.

Withdrawals from annuities are subject to normal tax treatment and if taken prior to age 59 1/2 may be subject to an additional 10% federal income tax penalty. Withdrawals may also be subject to a contractual withdrawal charge.

Please consider the charges, risks, expenses, and investment objectives carefully before purchasing a variable annuity. For a prospectus containing this and other information, please contact a financial professional. Read it care fully before you invest or send money.

An annuity contract that is purchased to fund an employer-sponsored plan should be done so for the annuity's features and benefits other than tax deferral. For such cases, tax deferral is not an additional benefit for the annuity. You may also want to consider the relative features, benefits and costs of this annuity with any other investment that you may have in connection with your retirement plan or arrangement.

GE-65626 (10/11)