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Investment Transactions

• How can I transfer amounts between investment options?
  If you are the Owner of the policy, you may transfer amounts between investment options:

  • Online, through AXA-Equitable.com. Login or Register. From the Portfolio Summary screen, select "Transfer Funds" from the "Choose an Option" drop down box

  If the Owner of the policy is a corporation or a trust, and not an individual, we require the owner's written request for transfer.Click here for a printable form. Complete and return to the address on the form.

  Until September 30, 2008 we are relaxing our policy rules so that, you may transfer any amount of unloaned policy account value out of the Guaranteed Interest Account to any other investment option whether or not you are within the GIA Transfer Period. Your written transfer request must be received in our Administrative Office by September 30, 2008 in order to take advantage of this unrestricted transfer opportunity.

  Please note these Transfer Restrictions: Transfers out of the Guaranteed Interest Account (GIA) are subject to certain restrictions. One GIA transfer request is permitted in each policy year within a period beginning 30 days prior to your policy anniversary and ending 60 days after the anniversary. A transfer request received before the anniversary will be effective on the policy anniversary. Transfers are limited to the greatest of $500, 25% of your then current balance in the GIA, or the amount transferred from the GIA in the immediately preceding policy year. Twelve transfers per policy year from all investment options (not just GIA) are currently permitted free of charge; over twelve, a $25 fee may apply, depending on your policy. There may be product variations, please check your policy prospectus for complete details.

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• Can I automatically rebalance the amounts in the investment options?
  Asset rebalancing is a feature that has been added to AXA Equitable's variable life policies purchased after 1985, excluding SP-Flex. Having established your personal investment strategy, you may want to ensure that your original percentages allocated to each investment option remain constant. Asset rebalancing enables clients to periodically redistribute the amounts in the variable investment options of their life insurance policy to restore their original asset allocation. Rebalancing may be done at quarterly, semiannual, or annual intervals. In addition, you pay no income taxes on these transactions.

  You may specify asset allocation percentages for up to eight variable investment options. (The GIA is not available for asset rebalancing.) The allocation percentage you specify for each selected investment option must be at least 5% (whole percentage only); the sum of the percentages must equal 100%. You may not elect the asset rebalancing service if you already participate in the dollar cost averaging service (also referred to as the "automatic transfer service").

  There is no cost for this service. You may request asset rebalancing at any time. You may change the asset rebalancing allocation instructions or terminate the asset rebalancing service at any time.

  Click here for a printable form. Complete and return to the address on the form.

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