Financial Planning |
Implement Your Financial Planning Strategies With Innovative Financial Product Choices
Whatever your hopes are for the future – a dream home, college for the kids, travel and retirement – fulfilling them will require solid financial planning and the appropriate products and investments to turn your financial planning goals into realities.
When implementing your financial planning strategies, you may want to consider tax-deferred investments that can help you take advantage of the asset-building potential of the financial markets. When you’re looking for products for your retirement financial planning efforts or your retirement plan, consider the many innovative products from AXA Equitable.
Learn more about financial planning strategies for important life events
AXA Equitable Offers A Broad Range Of Products To Help Your Financial Planning.
AXA Equitable is one of the nation’s leading financial protection companies and a leading provider of life insurance policies and annuities for the implementation phase of your financial planning process. AXA Equitable assists your financial planning by offering a wide range of products that include:
- Annuities. Annuities are long-term financial products designed for retirement purposes. 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. Annuities can be an important part of your financial planning and can help with retirement savings by helping to protect you against downturns in the market. Annuities may be fixed – with guaranteed growth and return – or variable, with the potential for greater growth but with greater risk as well.
- Life insurance. AXA Equitable offers a wide variety of life insurance products, including term life, whole life, universal life and variable life insurance policies.
Planning For Your Financial Future With New Annuities Products.
In response to recent adverse economic developments, AXA Equitable has introduced two new annuity products. AXA Equitable’s Retirement Cornerstone® is a new kind of variable annuity that can help protect your retirement income during difficult economic times through a guaranteed income benefit available for an additional fee and subject to income restrictions and age limitations while also providing opportunity for upside growth potential. Retirement Cornerstone features two different accounts on a single tax-deferred investment platform – one provides the opportunity for growth and the other can provide retirement income. Guarantees are based on the claims-paying ability of the issuing insurance company. For more complete product information, please click here.
Structured Capital StrategiesSM is another new variable annuity from AXA Equitable. It offers you investment choices as you are implementing your financial planning efforts. With Structured Capital Strategies you can invest for growth potential while planning for some protection against downside risks. Depending on your risk tolerance, Structured Capital Strategies™ allow you to realize the upside performance potential of indices tracking selected domestic, global and commodities markets up to a specified cap. The cap may limit your potential in up markets. Depending on your chosen option – one, three or five years – AXA Equitable will absorb up to the first 10, 20 or 30 percent of your losses, helping to calm your down market fears. 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. Investment options with greater protection tend to have lower performance cap rates than other investment options that use the same index and duration but provide less protection. For more complete product information, please click here.
Learn more now about AXA Equitable’s products for your financial planning, estate planning or 401(k) plan.
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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.
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.
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.
An annuity contact that is purchased to fund a qualified retirement 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.
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.
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.
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 StrategiesSM 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.
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 61879 (6/11)
