Insurance Overview

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Click through these steps for knowledge and support on insurance protection planning

Follow these links to see what you can do about protection planning at each stage of life

What to consider

Life insurance can be an effective financial planning tool at every stage of life.It can:

  • Help protect growing children
  • Help protect your spouse and home
  • Help provide extra retirement income, and
  • Help protect your estate.

Use these tools and calculators to help keep you on track with your protection planning goals

What to consider

  • Generally the younger you purchase life insurance, the lower your premiums and long-term cost may be. Don’t delay.
  • If you depend on both spouses’ salaries to meet monthly expenses, then you both need to consider life insurance.
  • Human Life Value
    Use this calculator to determine your economic value to your loved ones.


Follow these links to learn how different insurance types may suit your need

What to consider

A financial professional can help you perform a detailed assessment of your need for life insurance, then help you decide on a policy that suits your goals.

Types 

Key Features 

Term Life Pure protection for a limited time
  • Coverage for a specified period of time
  • Death benefit is paid if the insured dies during the specified period
Whole Life Lifetime coverage with guarantees
  • Guarantees a minimum death benefit no matter how long you live, as long as premiums are paid
Variable Life Regular payments with a wide range of investment choices
  • Permanent protection
  • Scheduled premium payments
Universal Life More options, but fewer guarantees
  • Permanent insurance that provide protection in case of death, as well as a savings or cash value component
Variable Universal Life Greater growth potential, greater risk
  • Insurance protection with investment opportunity
  • Flexible premium payments
  • Choice of two death benefit options
Survivorship Life Insurance Insured two lives, with the potential for cash value accumulation
  • Premium flexibility


Talk to Your Financial Professional

Professional Guidance Counts

Your financial professional can be an invaluable in helping you:
  • Complete a financial needs analysis
  • Evaluate the financial strategies available to you, and
  • Select appropriate financial products designed to help you reach your goals

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Why Choose AXA Equitable

- A premier financial institution since 1859
- Top-tier credit ratings
- Global strength

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Looking for lifetime retirement income?

Learn about our flagship variable annuity 


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Wait...I can get a refund with on my term life insurance premium?