Annuities

What is an Annuity?

An annuity is long-term retirement savings 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.

Your assets grow on a tax-deferred basis until they are withdrawn, usually at retirement. You may receive income in a number of ways, including guaranteed payments that will last for as long as you live. Annuities can be a valuable addition to your retirement plan at any stage of life.

Annuities: Are Not a Deposit of Any Bank • Are Not FDIC Insured • Are Not Insured by Any Federal Government Agency • Are Not Guaranteed by Any Bank or Savings Association

Annuities may help you:

Receive guaranteed retirement income payments for as long as you live
Protect beneficiaries with a death benefit
Diversify your investments
Grow assets on a tax-deferred basis
Avoid outliving your assets

Types	Key Features
Fixed Annuities	Safety, stability and guarantees Tax-Deferred Growth Guaranteed Principal, Interest and Renewal Rates Benefits to Spouses and Beneficiaries
Immediate Annuities	Regular income now and for life Regular Payments Distribution Options Choice of Contract Types Tax Benefits Postponement of Taxes No Withdrawals
Variable Annuities	Guaranteed income for life Tax-Deferred Growth Liquidity Benefits to Heirs Benefits to Spouses
Employer-Sponsored Retirement Plans	Offered through employers Available for educators and employees of non-profit organizations

Life insurance and annuities are issued by AXA Equitable Life Insurance Company (AXA Equitable) and by various unaffiliated carriers through AXA Network, LLC and its subsidiaries. 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. All guarantees are based on the claims-paying ability of AXA Equitable. The guarantees do not apply to the investment portfolios.

Variable annuities are offered by prospectus only. The prospectus contains complete information including objectives, risks, charges, and expenses. Please obtain the prospectus from your financial professional and read it carefully before you purchase a product.

AXA Financial, Inc. and its subsidiaries do not provide tax or legal advice. This material is provided for informational purposes only. Please consult your tax and/or legal advisors regarding your particular circumstances.

1290 Avenue of the Americas, New York, NY 10104, (212) 314-4600

“AXA Equitable” is the brand name of AXA Equitable Financial Services, LLC and its family of companies, including AXA Equitable Life Insurance Company, MONY Life Insurance Company, MONY Life Insurance Company of America, AXA Advisors, LLC, AXA Network, LLC and AXA Distributors, LLC. All AXA Equitable companies are directly or indirectly owned by AXA Equitable Financial Services, LLC, and have offices at 1290 Avenue of the Americas, New York, NY 10104, (212) 554-1234.