Estate Planning - AXA Equitable

Life Insurance Is An Important Part Of An Estate Planning Strategy

Whatever goals you have in your estate planning – minimizing tax impact, protecting your family’s financial future, protecting your business, or directing the distribution of your estate to your heirs – smart choices about life insurance policies can help you pursue them. Life insurance can help augment your estate planning by providing income for your survivors, paying for education or mortgages, simplifying the transfer of assets and covering the many costs associated with final arrangements. You can even address your charitable estate planning goals by using life insurance to make a tax-deductible gift to your favorite charities.

When you want more information about using life insurance in estate planning or you are ready to purchase a life insurance policy, consider the many resources and products available from AXA Equitable.

Learn more about AXA Equitable’s life insurance products for estate planning

AXA Equitable Offers Innovative Life Insurance Products To Aid Estate Planning Efforts

A leading provider of life insurance, annuities and other financial products, AXA Equitable offers a comprehensive range of life insurance products that can aid estate planning.

Whole life insurance provides permanent insurance and lifetime coverage, guaranteeing a minimum death benefit, a level premium and the opportunity for limited growth potential.
Universal life insurance provides more options but with fewer guarantees than whole life insurance, flexible premiums¹ and a cash value component.
Variable life insurance provides flexible premiums and greater potential for growth (and greater risk) in a wide variety of investment options. An investor should have a need for life insurance prior to purchasing a life insurance contract. Additionally, variable life insurance is subject to insurance-related charges, including mortality and expense charges, administrative fees and the expenses associated with the underlying funds.
Term life insurance provides affordable protection for a limited time, with no cash value accumulation in the policy.

Before purchasing life insurance for estate planning, consult an experienced attorney and tax advisor about income and estate tax consequences.

Helpful Articles And Information On Estate Planning.

AXA-Equitable.com features a rich and extensive estate planning information section with articles and answers to many common questions about estate planning, including:

How often should I review my estate planning goals and strategies?
How can I minimize taxes on my estate?
Will my beneficiaries have to pay taxes on the proceeds of my life insurance policy?
How will estate taxes be paid if I leave no provision in my will?

For many people, estate planning and retirement planning go hand in hand. AXA Equitable also offers products, such as annuities, to support retirement planning as well.

Learn more about AXA Equitable’s resources and products for estate planning

¹The policy will terminate if at any time the net policy account value is insufficient to pay the monthly deductions when due. This can happen due to insufficient premium payments, if loans or withdrawals are made, or if current interest rates or charges fluctuate.

A life insurance policy is a contractual agreement in which premiums are paid to an insurance company. In return for these premium payments, the insurance company will provide death benefit protection if the policy remains in force until the death of the insured. The insurance company will pay a death benefit to a beneficiary. A whole life insurance policy also provides the opportunity to accumulate cash value. In variable life insurance, amounts in the policy cash value are invested in a variety of variable investment options as directed by the policy owner and are subject to market risk, including loss of principal, will fluctuate, and may lose value. Life insurance policies have exclusions, limitations, and terms for keeping them in force. Fees and charges associated with life insurance include mortality and expense risk charges, cost of insurance, surrender charges and administrative fees.

Variable life insurance subaccounts fluctuate with changes in market conditions. When surrendered, the principal may be worth more or less than the original amount invested.

All guarantees are based on the claims-paying ability of the issuing insurance company. The guarantees do not apply to investment portfolios.

Please consider the charges, risks, expenses, and investment objectives carefully before purchasing a variable life insurance product. For the variable life insurance policy prospectus and the underlying portfolio prospectus(es), which contain this and other information, please contact a financial professional. Read them carefully before you invest or send money.

Life insurance products are issued by AXA Equitable Life Insurance Company (NY, NY) (AXA Equitable) and co-distributed by AXA Distributors, LLC and AXA Network, LLC. Variable Life insurance products are co-distributed by AXA Distributors, LLC and AXA Advisors, LLC, New York, NY 10104. Securities are offered through an affiliate, AXA Advisors, LLC, member FINRA, SIPC.

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