Life Insurance - AXA Equitable

Life Insurance Is Part Of A Financial Strategy

Life insurance is an important part of any financial strategy, providing for your loved ones and protecting their financial future in the event of your untimely death. Life insurance payments can help surviving family members maintain their standard of living, repay debt, fund the cost of education, pay off mortgages and much more.

There are many kinds of life insurance – the best kind for you depends on your financial goals, age and health and family situation. When you’re ready to purchase life insurance, consider the broad range of products available from AXA Equitable.

Learn more about life insurance and AXA Equitable

AXA Equitable Offers A Broad Range Of Life Insurance Products.

As a leading financial protection company since 1859 and a premier provider of life insurance and other financial products, AXA Equitable offers a variety of life insurance products to meet your financial needs. Life Insurance products from AXA Equitable include:

Term Life insurance: Offering coverage for a specified period of time, AXA Equitable’s Term Series^SM offers affordable premiums that remain level for 1, 10, 15 or 20 years, depending on your choice of policy.
Universal Life insurance: AXA Equitable’s Athena Universal Life^SM, a flexible premium universal life insurance policy, offers permanent life insurance as well as the opportunity for lifetime insurance protection with a No Lapse Guarantee (NLG) Rider automatically included¹ and the potential accumulation of cash value if the policy is funded appropriately.
Indexed Universal Life: Athena Indexed Universal Life^SM is permanent life insurance that offers premium flexibility and interest crediting linked to major market indices, so you can take advantage of the upside potential of equities markets, with built-in downside protection against declines in the value of the applicable index. When you invest in one of the indexed account options, you receive a crediting rate based on the performance of the index, subject to certain caps, participation rates, and floors. The floor will be 0% in all years and the cap and participation rate will be established at the beginning of a segment.
Variable Life insurance: AXA Equitable offers several variable life insurance products, including the Incentive Life Optimizer^® II, a long-term financial product that allows the potential accumulation of assets through customized, professionally managed investment portfolios. A Market Stabilizer Option^SM, which is available for an additional fee, helps manage volatility in the markets by combining growth potential with a cap and a floor on downside protection. There is a risk of substantial loss of the principal invested because the policy owner agrees to absorb all losses from the portion of any negative index performance that exceeds the downside protection limit. Variable life insurance policy values are not guaranteed, will fluctuate based on the performance of your underlying investments, and may be worth more or less than the premiums paid. For more complete product information, please click here
Whole Life insurance: AXA Equitable’s Interest Sensitive Whole Life^SM is a guaranteed fixed premium permanent life insurance policy with a Guaranteed Minimum Cash Value that increases each year and equals the Face Amount at age 100.

Life insurance policies have exclusions, limitations, and terms for keeping them in force. Fees and charges associated with variable life insurance include, mortality and expense risk charges, cost of insurance, surrender charges, administrative fees, investment management fees and charges for optional benefits.

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

Learn more about life insurance and other financial products offered by AXA Equitable

On this site you’ll find a wealth of information about different kinds of life insurance, optional riders you may want to tailor policies to your needs, and answers to many common questions about life insurance as well as other financial protection products.

¹The NLG Rider is not included with policies that elect the Return of Premium Death Benefit Rider. In Illinois, the NLG Rider is called the "Death Benefit Protection Rider."

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.

A life insurance policy is a contractual agreement in which premiums are made to an insurance company. In return for these premium payments, the insurance company will provide benefit to a beneficiary upon the insured’s death. A whole life insurance policy also provides the opportunity to contribute to a policy cash value. In variable life insurance, amounts in the policy cash value are invested in a variety of variable investment portfolios.

Please consider the charges, risks, expenses, and investment objectives carefully before purchasing a variable life insurance. For a prospectus containing this and other information, please contact a financial professional. Read it carefully before you invest or send money.

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

AXA Equitable's Term Series^SM is a service mark of AXA Equitable Life Insurance Company, Contract form #s: 148-51; 150-LT and 150-54 or state variation.

Athena Universal Life^SM and Athena UL^SM are service marks of AXA Equitable Life Insurance Company, Policy form # ICC11-11-100,11-100 or State Variation

Athena Indexed Universal Life^SM is a service mark of AXA Equitable Life Insurance Company, Policy form #ICC10-200 or state variations

Incentive Life Optimizer^®is a registered service mark of AXA Equitable Life Insurance Company, Policy form #08-ICC 10-11 or state variations

Interest Sensitive Whole Life^SM is issued by AXA Equitable Life Insurance Company , Policy form #149 – 56 or state variation

Variable Life Insurance: · 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-60407 (6/11)