AXA Equitable Life Insurance Company has been helping individuals develop financial strategies since 1859.  AXA Equitable is a premier provider of annuity and life insurance products and maintains its fundamental commitment to helping people build sound financial futures.

AXA Equitable Credit Ratings

The guarantees provided in our life insurance and annuity contracts are based on the claims paying ability of AXA Equitable.  AXA Equitable has consistently earned high marks by independent companies that rate insurance companies for their financial strength and stability.

1 Date reviewed indicates the last public statement by the rating agency.

Ratings are subject to change and were last updated on 3/31/08; contact your financial professional/insurance-licensed registered representative for more details, including information on rating scales and individual rating sources. The ratings reflected have no bearing on the performance of the variable investment options.

A.M. Best: A.M. Best's Financial Strength Rating is an opinion of an insurer's ability to meet its obligations to policyholders. A.M. Best ratings range from A++ to S. A plus (+) or minus (-) following the rating shows relative standing within the major rating categories. The "A+" rating represents the second highest among sixteen rating levels.

Fitch: Fitch's Insurer Financial Strength rating provides an assessment of the financial strength of an insurance organization and its capacity to meet senior obligations to policyholders and contract holders on a timely basis.
Fitch ratings range from AAA to C. A plus (+) or minus (-) following the rating shows relative standing within the major rating categories. The "AA" rating represents the third highest among twenty-one rating levels.

Moody's: Moody's Insurance Financial Strength Ratings are opinions of the ability of insurance companies to repay punctually senior policyholder claims and obligations. Moody's ratings range from Aaa to C. Moody's applies numerical modifiers 1,2, & 3 in each rating classification from Aa to Caa. The modifier 1 indicates that the obligation ranks in the higher end of its rating category; the modifier 2 indicates a mid-range ranking and a modifier 3 indicates a ranking in the lower end of that rating category. The "Aa3" rating represents the fourth highest among twenty-one rating levels.

Standard & Poor's: A Standard & Poor's Insurer Financial Strength Rating is a current opinion of the financial security characteristics of an insurance organization with respect to its ability to pay under its insurance policies and contracts in accordance with their terms. Standard & Poor's ratings range from AAA to R. A plus (+) or minus (-) following the rating shows relative standing within the major rating categories. The "AA" rating represents the third highest among twenty-one rating levels.

Global Strength

AXA Equitable is a member of the global AXA Group.  With more than $1.87 trillion in assets under management and over 50 million clients worldwide (as of 12/31/2007). The AXA Group ranks as one of the world's largest and fastest-growing insurance and wealth management organizations. 

AXA Equitable's assets under management as of 12/31/2007 totaled $888.6 billion. AXA Equitable has sole responsibility for its life insurance and annuity obligations.