Variable Annuity - AXA Equitable

Building Retirement Assets With Variable Annuity Products From AXA Equitable

When you’re planning for your retirement, a variable annuity can help provide guaranteed future income, while also providing the opportunity to grow your retirement savings. A variable annuity is a long-term financial product designed for retirement purposes that offers tax-deferred accumulation. . In essence, annuities are contractual agreements in which payment(s) are made to an insurance company, which agrees to pay out an income or a lump sum amount at a later date. There are contract limitations and fees and charges associated with annuities, which include, but are not limited to, mortality and expense risk charges, sales and surrender charges, administrative fees, and charges for optional benefits. As opposed to a fixed annuity, where growth in principal and interest is pre-defined, a variable annuity offers the potential for greater growth but at the same time it carries more risk.

To learn more about variable annuity products, click here

AXA Equitable Delivers Innovative Variable Annuity Options

AXA Equitable is a leading provider of variable annuity products and offers two new variable annuities that may help protect against down market risks while offering the potential to participate in upside market gains.

AXA Equitable’s Retirement Cornerstone^SM, a variable deferred annuity product, offers investors a means to invest for growth and provide future retirement income in a single investment product. Retirement Cornerstone features two accounts within a single tax-deferred annuity platform.

The Protection with Investment Performance Account offers an opportunity for retirement income protection. The Protection with Investment Performance Account is part of a variable annuity and includes an optional feature which is available at an additional cost and is subject to income restrictions and age limitations.
The Investment Performance Account focuses on investment choices through a broad range of investment portfolios. For more complete product information, click here.

Together these two accounts provide a comprehensive approach to managing retirement income in a single variable annuity.

AXA Equitable’s Structured Capital Strategies™ product is a variable annuity that also offers participation in upside market potential while protecting against some down-market risk. Contributions are invested in index-linked investments that track domestic, global and commodities markets, providing the opportunity for growth up to a specified cap. The cap may limit your potential in up markets.

This innovative annuity also offers income protection with a Segment Buffer that can absorb the first –10, -20 or -30 percent of investor losses, depending on the investment options selected. Segment types with greater protection tend to have lower performance cap rates than other segment types that use the same index and duration but provide less protection. While you are protected from some downside risk, if the negative return is in excess of the protection offered by this product, there is a risk of a substantial loss of your principal. For more complete product information, click here.

A Full Range Of Variable And Fixed Annuity Products

AXA Equitable also offers additional annuity products that include:

The Accumulator^® Series, a suite of variable deferred annuities that offer lifetime payout options, death benefit protection, and income protection that provides a minimal guaranteed lifetime income in case the market declines. For more complete product information, click here.
The EQUI-VEST^® Series, a cost-effective variable annuity product for individuals and employer-sponsored plans.
Fixed annuity products that offer defined growth of principal and interest and that allow investment earnings to grow tax-free until money is withdrawn.

As a leading financial protection company, AXA Equitable can also provide a life insurance policy such as universal life insurance, term life insurance, whole life insurance and more.

Learn more now about AXA Equitable’s variable annuity products

This article highlights only some of the features and benefits of some of AXA Equitable products. For cost and complete details, please contact your financial professional.

Withdrawals from annuities are subject to normal income tax treatment and if taken prior to age 59 ½ may be subject to an additional 10% federal income tax penalty. Withdrawals may also be subject to a contractual withdrawal charge.

Variable annuity subaccounts fluctuate with changes in market conditions. When surrendered, the principal may be worth more or less than the original amount invested. The guarantees available with variable annuities do not apply to the investment portfolios.

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 carefully before you invest or send money.

AXA Equitable may discontinue contributions and transfers among investment options or make other changes in contribution and transfer requirements and limitations.

Please be advised that this document is not intended as legal or tax advice. Accordingly, any tax information provided in this document is not intended or written to be used, and cannot be used, by any taxpayer for the purpose of avoiding penalties that may be imposed on the taxpayer. The tax information was written to support the promotion or marketing of the transaction(s) or matter(s) addressed and you should seek advice based on your particular circumstances from an independent tax advisor.

Retirement Cornerstone^® is a registered service mark of AXA Equitable Life Insurance Company. Contract form #s: 2010BASE-A/B, 2010BASE-I-A/B, 2010BASE-I-A(WA) and any state variations.

Structured Capital Strategies^SM is a service mark of AXA Equitable Life Insurance Company. Contract form #s: 2010PCSBASE-I-A/B and 2010PCSBASE-A/B and any state variations.

Accumulator^® is a registered service mark of AXA Equitable Life Insurance Company. Contract form numbers: 2006BASE-A/B, 2006BASE-I-A/Bm 2007BASE-I-A(OR)(rev 2/09) and any state variations.

EQUI-VEST^® is a registered service mark of AXA Equitable Life Insurance Company. EQUI-VEST Contract form #s: 2006BASE-I-A/B, 2006BASE-A/B, 2008EQV201, 2008EQVBASE201-A, and any state variations.

Life insurance and annuity products are issued by AXA Equitable Life Insurance Company (NY, NY) (AXA Equitable). Variable annuity products are co-distributed by AXA Distributors, LLC and AXA Advisors, LLC, New York, NY 10104, members FINRA, SIPC. AXA Equitable, AXA Distributors and AXA Advisors are affiliated companies and do not provide tax or legal advice.

Variable Annuity: · Is Not a Deposit of Any Bank · Is Not FDIC Insured · Is Not Insured by Any Federal Government Agency · Is Not Guaranteed by Any Bank of Savings Association · May Go Down in Value.

GE 60485 (6/11)