Life Insurance Plan - AXA Equitable

A Solid Life Insurance Plan Helps Protect Your Family’s Financial Future

As you make and implement a financial plan, you will likely want to consider how life insurance can help protect your family’s finances in the event of an unexpected death. Your life insurance plan should include products that can help provide financial support and can help your family maintain the standard of living you’ve worked hard to provide. Your life insurance plan may also include products that help to cover the cost of financial obligations and commitments – a mortgage or college tuition, for example – as well as the costs of a funeral and other final expenses, which can be many thousands of dollars. And while no one wants to think about the possibility of their own death, you don’t want to make the mistake of waiting until it’s too late to put a life insurance plan in place.

Whether you’re seeking innovative life insurance policies for your life insurance plan or just have questions about life insurance in general, AXA Equitable offers many products as well as helpful information.

Learn more about AXA Equitable products to help implement your life insurance plan

Turn To AXA Equitable For Innovative Products For Your Life Insurance Plan

AXA Equitable is one of the nation’s premier life insurance companies, offering a range of products to help implement your life insurance plan:

Whole life. AXA Equitable’s Interest Sensitive Whole Life^SM is a permanent life insurance policy offering a fixed premium payment and a Guaranteed Minimum Cash Value that increases each year, equaling the Face Amount at age 100. *
Universal life. A universal life policy, such as AXA Equitable’s Athena Universal Life^SM, is a permanent policy that offers the opportunity for lifetime protection with cash value accumulation potential and flexibility on the amount and timing of your premium payments (subject to certain minimums and maximums)¹.
Variable life. AXA Equitable provides a number of variable life policies that allow for the cash value of your policy to potentially grow in professionally managed investment accounts. 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. AXA Equitable’s term life policies offer affordable coverage for 1 to 20 years, with no cash value accumulation.

Research Life Insurance Products For Your Financial Plan.

We offer a rich library of tools, articles and information to help you with your insurance planning. These articles cover such information as the differences between types of insurance products, whether the cash value of a life insurance policy may be taxed, whether withdrawals from a cash value life policy might be tax free, and answers to many additional questions about life insurance.

Learn more now about AXA Equitable products that can help with your life insurance plan. We also offer similarly rich resources and information about annuity products, investment products, as well as products to support a personal retirement plan or an employee retirement plan.

*The Guaranteed Cash Value (less any outstanding loan and accrued loan interest) is the minimum your Cash Value can be. After the first few policy years and through the rest of the Insured's lifetime, as long as required premiums are paid, your policy's Guaranteed Cash Value increases. This Guaranteed Cash Value:
- Can never be decreased (unless there is a loan on the policy) or impacted by economic conditions
- Equals the policy's Face Amount at the Insured's age 100

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.

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.

Keep in mind that, under current federal tax rules, you generally may take income-tax-free partial withdrawals under a life insurance policy that is not a Modified Endowment Contract (MEC), up to your basis in the contract. Additional amounts are includible in income. The IRS places a limit on how much money can go into life insurance premiums for the policy and how quickly such premiums can be paid in order for the policy to retain all of its tax benefits. If certain limits are exceeded, a MEC results. MEC policyholders may be subject to taxes on distributions on an income-first basis, that is, to the extent there is gain in the policy and penalties on any taxable amount if they are not 59 ½ or older. Loans taken will be free of current income tax as long as the policy remains in effect until the Insured's death, does not lapse, and is not a MEC. Additionally, note that outstanding loans accrue interest. Income-tax-free treatment also assumes the loan will eventually be satisfied from income-tax-free death benefit proceeds. Loans and withdrawals reduce the policy's cash value and death benefit, and increase the chance that the policy may lapse. If the policy lapses, is surrendered or becomes a MEC, the loan balance at such time would generally be viewed as distributed and taxable under the general rules for distribution of policy cash values. In addition, withdrawals, policy loans and any accrued loan interest may cause your policy to lapse even if you are in a period of coverage under the No Lapse Guarantee Rider. Speak to your financial professional before taking any withdrawals or policy loans.

Athena Indexed Universal Life^SM is a service mark of AXA Equitable Life Insurande Company, New York, NY 10104.

Policy form #ICC10-200 or state variations

Interest Sensitive Whole Life^SM is issued by AXA Equitable Life Insurance Company (AXA Equitable), New York, NY.

Policy form #149-56 or state variation

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 policies 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.

GE-60408 (6/11)