Life Insurance Companies - AXA Equitable |
Life Insurance Companies Offer Products To Help You Pursue Your Financial Goals
Life insurance companies can play an important role in offering you products for your financial plan. In the event of your untimely death, life insurance policies and other products from life insurance companies can help protect your family’s finances. Life insurance companies offer products that can help cover funeral expenses and final arrangements – which can easily run into thousands of dollars – as well as products that can help build retirement savings, or help cover beneficiaries’ college or mortgage costs.
When you’re looking at what life insurance companies can offer, consider the many products and services available from AXA Equitable.
Learn more about AXA Equitable, one of the nation’s premiere life insurance companies.AXA Equitable – A Leader Among Life Insurance Companies Since 1859
AXA Equitable is one of the nation’s leading life insurance companies and a premier provider of annuities and life insurance products. AXA Equitable offers a comprehensive selection of life insurance products that include:
- Whole life - a permanent life insurance policy with fixed premiums, guaranteed minimum cash value and guaranteed level premium.
- Universal life products that offer cash value accumulation potential options and have flexible premiums1.
- Variable life insurance policies that offer more cash value accumulation potential and carry more risk, and provide a wide range of underlying investment options with flexible premium payments1. An investor should have a need for life insurance prior to purchasing a life insurance contract. 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 coverage, offering affordable life insurance for specific periods of time with policies that do not have cash value accumulation.
Learn more about the different kinds of life insurance.
We offer a rich collection of articles with answers to many common questions about insurance products for individuals and companies. Consult your financial professional for help in deciding which kind of insurance is right for you.
Life Insurance Products Can Also Help Protect Companies And Business Partners
Companies may also be able to benefit from purchasing life insurance. Life insurance can help protect against the loss of income that may result after the death of a key employee. Companies owned by a small number of business partners also frequently purchase life insurance, which can help insure against financial loss after one partner’s death, or help to buy out the partner’s heirs. Be sure to consult a financial professional to learn how life insurance can be used as part of an overall estate or business continuation plan. For employer-owned and business-owned life insurance policies, additional federal income tax rules need to be considered, including employee eligibility and consent, as well as tax reporting requirements.
Learn more about AXA Equitable, a leader among life insurance companies, and about AXA Equitable products for guaranteed income2, estate planning, retirement investments and more.
1The policy will terminate if at any time the policy's cash 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.
2 Guarantees are based on the claims-paying ability of AXA Equitable.
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 subaccounts within variable life insurance policies will 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 AXA Equitable. 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.
Universal life and whole life insurance policies are issued by AXA Equitable Life Insurance Company, New York, NY, and distributed by AXA Network, LLC and AXA Distributors, LLC. Variable life insurance and variable annuities are co-distributed by AXA Advisors, LLC and AXA Distributors, LLC. AXA Equitable, AXA Network, AXA Advisors and AXA Distributors are affiliated companies and do not provide legal or tax advice.
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