If you wish to file a claim for the loss of a loved one, please call our toll-free number, 1-800-777-6510. After indicating that you are a Customer, say "Claim's Department" and a Customer Service Representative will assist you. Having the Policy Number, Social Security number and name of the Beneficiary available will help expedite the claim.

Click here for instructions and forms for filing a claim.

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The federal tax law definition of "life insurance" limits your ability to pay certain high levels of premiums. In addition, if your cumulative premium payments exceed certain amounts specified under the Internal Revenue Code, your policy will become a Modified Endowment Contract (MEC). If your policy is a MEC, the tax treatment of any death benefit provided under the contract will still qualify for income tax free treatment but you may be subject to additional taxes and penalties on any distributions from your policy during the life of the insured.

You can ask your financial professional to provide you with an illustration of policy benefits that shows you the amount of premium you can pay, based on various assumptions, without exceeding these tax law limits.

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Life insurance contracts entered into before June 21, 1988 are generally "grandfathered" from this premium limit test. However, certain changes made to the contract could invalidate the policy's "grandfathered" status and subject it to premium limit testing.

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A face amount increase, the addition of a rider or an increase in its amount, a reduction in rating, a change to non-smoker status or a substitution of insured are all considered material changes and could result in a loss of "grandfathered" status. With the change, a new 7-pay period is started effective with the date of the transaction and a new 7-pay premium is determined. Premiums will need to be limited to the 7-pay premium for seven years following the change in order to avoid Modified Endowment Contract (MEC) status.

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If your policy is a MEC (Modified Endowment Contract) the tax treatment of any death benefit provided under the contract will still qualify for income tax free treatment. However, you may be subject to additional taxes and penalties on any distributions from your policy during the lifetime of the insured. Any distribution from a policy that is a MEC will be taxed on an "income-first" basis. Distributions for this purpose include a loan (including any increase in the loan amount to pay interest on an existing loan or an assignment or a pledge to secure a loan) or withdrawal. Any such distributions will be considered taxable income to you to the extent there is gain in the policy at the time of distribution. That is, the distribution will be includible in income up to the amount your account value exceeds your basis in the policy.

A 10% penalty tax also will apply to the taxable portion of most pre-age 59 1/2 distributions from a policy that is a Modified Endowment Contract.

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A 10% penalty tax will apply to the taxable portion of most distributions from a policy that is a Modified Endowment Contract.
The penalty tax will not apply to:

• distributions to taxpayers whose actual age is at least 59 1/2,
• distributions in the case of a disability (as defined in the Code) or
• distributions received as part of a series of substantially equal periodic annuity payments for the life (or life expectancy) of the taxpayer or the joint lives (or joint life expectancies) of the taxpayer and his or her beneficiary.

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A Modified Endowment Contract (MEC) is a life insurance policy that has had cumulative premium payments made during the first seven years that exceed a limit defined in the tax code. This limit is called the 7-pay limit and depends in part on the amount of the policy's death benefit and the age of the insured. At any point in time during the first seven policy years, premiums paid cannot exceed the sum of the annual 7-pay limits or the policy will become a MEC. This means your total limit will increase each of your first seven policy years. After seven years, MEC testing will not apply unless at any point in time a "material change" requires your policy to start a new 7- pay testing period with new 7- pay limits.

Whenever there is a "material change" under a policy, the policy will generally be (a) treated as a new contract for purposes of determining whether the policy is a Modified Endowment Contract and (b) subjected to a new 7-pay period and new 7-pay limit. Material changes include: a face amount increase, the addition of a rider or an increase in its amount, a reduction in rating, a change to non-smoker status or a substitution of insured and all could result in a loss of "grandfathered" status.

There are also changes considered reductions in benefits during a 7-pay test period that trigger a retroactive recalculation and testing of premiums. A reduction in benefits during a 7-pay test period causes the policy to be retested as if the policy had been issued at the reduced level of benefits. This could cause the policy to become a Modified Endowment Contract based upon premiums paid prior to the reduction in benefits.

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Your basis, sometimes also referred to as your investment in the contract, generally will equal the premiums you have paid, less the amount of any previous distributions from your policy that were not taxable. For Modified Endowment Contracts, your basis is also increased by the amount of any prior loan under your policy that was considered taxable income to you.

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If your policy is not a MEC (Modified Endowment Contract):

• Upon full surrender, any amount by which the proceeds we pay (including amounts we use to repay any policy loan and unpaid loan interest) exceed your basis in the policy will be includible in income.

• • If a policy terminates after a grace period, the repayment of any then-outstanding policy loan and unpaid loan interest will be treated as a distribution and could be subject to tax to the extent the distribution exceeds your basis in the policy.
  • If you make a partial withdrawal during the first 15 years of your policy, all or part of the withdrawal may be taxable if there is gain in your policy, even if the withdrawal does not exceed the cost basis.
  • If you make an assignment of rights or benefits under your policy and the policy is a MEC or subject to a policy loan, you may be deemed to have received a distribution from your policy, all or part of which may be taxable.
  • If you reduce your benefits under a policy, it is possible that amounts previously paid as premiums will exceed the amount the tax law permits for your policy to be treated as life insurance. This could cause amounts to be forced out of the contract to keep its qualification as life insurance. These force-outs could be required at the time of the reduction and/or in future years. All or a portion of any amounts forced out may be taxable to the extent there is gain in your policy.

All amounts includible in income under a life insurance policy will be considered ordinary income as opposed to capital gain. If your policy is a MEC, any distribution from your policy will be taxed on an "income -first" basis. Distributions for this purpose include a loan (including any increase in the loan amount to pay interest on an existing loan or an assignment or a pledge to secure a loan) or withdrawal.

A 10% penalty tax also will apply to the taxable portion of most pre-age 59 1/2 distributions from a policy that is a Modified Endowment Contract.

AXA Advisors does not provide legal or tax advice. You must consult your legal and tax advisors for specific advice pertaining to your situation.

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Online, through AXA-Equitable.com, choose Account Details from the Portfolio Summary page. Your Financial Professional's phone number is provided at the bottom.

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Online through AXA-Equitable.com, on the Account Details page, the field titled "Client" identifies the owner of the policy. The owner has all the rights and privileges that exist under the insurance contract unless those rights have been assigned or restricted.

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To change ownership on your policy, a written request from the present owner is required.

AXA Equitable VOICEIT Interactive Telephone offers you the convenience of requesting an Owner Change Form for updating your policies 24 hours a day/ 7 days a week. Forms are available via FAX, Mail or Email provided you register on AXA-Equitable.com. You can reach AXA Equitable VOICEIT, Toll Free at 1-800-777-6510. Assisted Service is readily available if you require assistance during business hours.

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

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Online, through AXA-Equitable.com. Login or Register. Click on "Account Details" from the"Choose an Option" drop down box. The Beneficiary designation can be found under "General Information".

AXA Equitable VOICEIT Interactive Telephone offers you the convenience of Beneficiary Information. Using your policy number and Personal Identification Number (6-Digit PIN that you choose on your initial call) you can just say "Beneficiary" or "Policy Details". If you need to update the beneficiary, you may request a Beneficiary Change form for updating your policies 24 hours a day/7 days a week by saying "Forms" and choosing the "Owner Beneficiary change form". Forms are available via FAX, Mail or Email provided you are registered in AXA_Equitable.com. You can reach AXA Equitable VOICEIT, Toll Free at 1-800-777-6510. Assisted service is readily available if you require assistance during business hours.

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The beneficiary is the person, organization, or entity that is identified to receive net proceeds from the life insurance policy's death benefit. To request a change to the beneficiary designation on your policy, the written request of the owner is required.

AXA Equitable VOICEIT Interactive Telephone offers you the convenience of requesting a Beneficiary Change Form for updating your policies 24 hours a day/ 7 days a week. Forms are available via Fax, Mail or Email provided you register on AXA-Equitable.com. You can reach AXA Equitable VOICEIT, Toll Free at 1-800-777-6510. Assisted Service is readily available if you require assistance during business hours.

Click here for a printable form. Return the signed and dated request to the address shown in the upper right corner of the form.

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AXA-Equitable.com, your online information source for the status and current values of your AXA Equitable life and annuity contracts, does provide you with the most recent closing price for all the investment portfolios you have available to you.

In addition, online access also displays monthly and quarterly annualized rates of return for the portfolios available within most of our variable life and annuity contracts. Choose the Performance Information option from the dropdown box on the right side of the Portfolio Summary page.

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Amounts that you allocate under your variable life policy to any of the investment options are invested in a corresponding "Portfolio" that is part of EQ Advisors Trust. The value of your variable investment option is measured in "units".

Each unit has a "unit value". While the unit value relates to the net asset value of the shares of the corresponding portfolio, there is not a one-to-one correlation in the dollar amount. For example, if at the time of the portfolio's inception the net asset value of the portfolio was $10.00 per share, the unit value of the corresponding investment option may actually have been $100.00 per unit. If the portfolio's net asset value grew to $11.00 per share the next day, the unit value of the corresponding variable investment option would have increased proportionately, but not by the exact same dollar amount.

The value of each unit will increase or decrease each day and reflect all reinvested dividends and distributions from the corresponding Portfolio. The daily unit value calculation will also take into account the deduction of any mortality and expense risk charges that apply under your contract/policy.

The number of your units in any variable investment option does not change, unless there is an event or transaction under your contract/policy that involves moving assets into or out of that option. Whenever any amount is withdrawn or deducted from one of your contract/policy's variable investment options, we "redeem" the number of units that has a value equal to that amount, on the effective date of the redemption. This happens, for example, when all or a portion of monthly deductions and transaction-based charges are allocated to that option, or when loans, transfers, withdrawals and surrenders are made from that option.

Your investment results in a variable investment option will depend on those of the related Portfolio. Any gains will generally be tax deferred and the life insurance benefits we pay upon the death of the Insured will generally be federal income tax free.

Daily Unit Values are available online, for most variable life and annuity contracts, through AXA-Equitable.com. Login or Register

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The GIA rate is the rate credited to monies that are invested in the guaranteed investment option on your variable life insurance contract. It is determined periodically by AXA Equitable. The current interest rate that is credited can never be lower than the minimum specified in your policy. This rate is not guaranteed or is guaranteed only for a limited duration; see your policy for specifics.

Your Guaranteed Interest Account (GIA) rate can be found in the annual report that is sent to you at your policy anniversary. Refer to the "Table of Interest Rates" in your annual report, which will provide interest rates for the current and past year.

Note that transfers out of the 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 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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Transfers out of the Guaranteed Investment 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 recieved after the policy anniversary (within the 60 day period) are effective on the date received at our Administrative Office. 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.

Until March 31st, 2009, we are relaxing our policy rules so that, you may transfer any amount of unloaned policy account value out of the guaranteed interest option 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 March 31st, 2009 in order to take advantage of this unrestricted transfer opportunity.

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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AXA-Equitable.com displays monthly and quarterly annualized rates of return for the portfolios available within most of our variable life and annuity contracts. Select the "View" link under "Performance Information" on the Portfolio Summary page.

Performance information is a two-page report, showing the month-end and the quarter-end annualized rates of return of the EQ Advisors Trust Portfolios. To ensure that you have a clear understanding of the numbers that are presented, it is essential that you read both of the reports and the footnotes on each. Use the page down key or the scroll bar to view the second report.

Some information to keep in mind as you review these reports:

• Annualized rates of return are based on the percentage change in net asset value with dividends and capital gains reinvested
• Investment Performance of the Equitable Advisors Trust (the Trust is a mutual fund which holds portfolios that correspond to the investment options available under your variable life policy) is calculated after deduction of investment management fees and direct operating expense of the Trust
• This performance calculation is not representative of the actual return you would receive under your variable life insurance policy. Changes in policy values depend not only on the investment performance of the Trust but also on the insurance and administrative charges, sales charges and the mortality and expense risk charges applicable under a policy. These policy charges effectively reduce the dollar amount of any net gains and increase the dollar amount of any net losses.
• The investment options available under your variable life contract are not publicly traded mutual funds. As such, they do not have security or ticker symbols like publicly traded mutual funds and cannot be accessed via public mutual fund lookup sites.
• Please note that while some of these investment options may have similar names, investment managers and investment objectives as publicly traded mutual funds, they are completely separate portfolios that are collectively administered through the Equitable Advisors Trust. In general, you should be aware of the differences when comparing performance of mutual funds and their variable annuity or variable life counterpart portfolios.
  Major factors that can contribute to these differences include:
• The portfolio's underlying fee structure (management and administrative expenses)
• Insurance and contract related charges in addition to management expenses (not applicable to mutual funds)
• The timing of the portfolio's purchase and sale of securities
• Differences in cash flows (new sales and redemptions)
• Other strategies employed by the fund manager for tax purposes (not applicable to variable portfolios given their tax-deferred status)

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Annualized rates of return may differ because the fees and expenses associated with the particular investment option are different under the two products. Check your policy/contract prospectus for detail on the fees and expenses of the investment portfolios.

Note that Annualized Rates of Return are not representative of the actual return you would receive under your policy. Changes in policy values depend not only on the investment performance of the various options, but also on applicable insurance and administrative charges, applicable sales charges and the mortality and expense risk charges that are deducted. Premiums or contributions made to your policy, as well as any loans or withdrawals, will also affect its values.

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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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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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AXA-Equitable.com provides a consolidated view of your life and annuity contracts, 24 hours, 7 days a week. Please Note: Not all AXA Equitable life insurance policies are the same and may have different features or provisions depending on the type of policy, state of issue and date of purchase. Please refer to your policy or prospectus for detailed information or call our automated Life Insurance Information Line, 800-777-6510.

Click the customer login to:

• Check Account Details
• Face amount
• Cash value and available loan value
• Investment option balances, investment allocation and daily fund prices
• Premium information
• Manage Your Portfolios
• Transfer amounts among investment options
• Change the investment allocation for future premiums
• Make a premium payment
• Request a loan against your policy's cash value
• Sign up for electronic delivery of policy statements
• Review Investment Performance
• Annualized year to date, 1 year, since inception, and where available, 3, 5, and 10 year
• Investment objectives, strategy, portfolio composition and top 10 holdings for all options
• Read the most recent Quarterly Portfolio Highlights

Click the 'Customer Service' tab to:

• Change your address online
• Find answers to frequently asked questions about your policy
• Print service forms

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Through AXA Equitable VOICEIT, you can manage your policy(ies) by utilizing key words or the List My Options feature. You can request a loan, process a premium payment or request a document - all with the sound of your voice, or you can let your finger-tips do the talking.

VOICEIT Toll Free (1-800-777-6510) to Get:

Information Options

• Premium Information - Check premiums due and received.
• Policy Values - Check account value, investment option balances and loan balances.
• Policy Details - A complete policy review, including policy type, beneficiaries, names of the insured and policyowner, etc...
• Loan Information - Inquire about borrowing limits or current loan balances.
• Dividend information - Review how policy dividends are used and paid.
• Contact Information - Obtain relevant fax numbers, Web addresses and mailing addresses for your financial professional and our service center.

Transaction Options

• Premium Payment - Process premium payments through your checking account.
• Loan Request - Borrow against policy cash value.
• Dividend Disbursement - Modify arrangements for dividend disbursements.
• Address Change - Make changes in your address-of-record.
• PIN Changes - Replace existing PIN number with a new one.

Forms and Statements

• Statement of Insurance - Proof of Insurance or "Certificate of Insurance."
• Statement of Policy Values - A statement reflecting your current policy values.
• Checking Account Payments/ACH Terms and Conditions - User agreement and conditions for processing payments from your checking account.
• Annual Statement - Previous year's activity report and statement.
• Service Request Form - Multipurpose request form for services that call for additional requirements.
• Claim Kit - Beneficiary claim form to initiate the claims process.
• Prospectus and Prospectus Supplements - Request a copy of your policy's current year prospectus and any prospectus supplements (variable life insurance only).
• Duplicate Billing Notice - Request a copy of your last generated premium statement.
• Owner/Beneficiary Change Form - Request to change the designation of the beneficiary and/or policyowner listed on the policy.

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Living Benefits is an enhancement to your AXA Equitable insurance policy. It allows you to use a portion of the death benefit from your policy if the insured person is medically diagnosed with a condition limiting life expectancy to six months or less (twelve months or less in Vermont and Oklahoma).

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When introduced, Living Benefits was made automatically available - free of charge - to almost all AXA Equitable policies with face amounts of $5,000 or more that were issued prior to March 1, 1994 (or the date of state insurance department approval, if later) on an as needed basis.

Today, generally speaking, if you apply for an AXA Equitable life insurance policy with a face amount of at least $50,000 and which is subject to underwriting, the Living Benefits rider is automatically included - unless you specifically asked to have it excluded. There is no charge if the rider is included at issue. If, however, you initially excluded the Living Benefits rider and wish to add it after the policy has been issued, you will be charged an administrative fee of $100. In addition, we may require that the insured undergo blood testing and provide evidence of insurability to add the rider at a later date.

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Generally, you can receive any amount between $5,000 and 75% of the proceeds (25% in Vermont, Oklahoma and Illinois) that would be payable at death, up to a maximum of $500,000. If you own more than one policy, the combined maximum you may request for all policies issued by each AXA Equitable subsidiary is $500,000.

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Yes. A Living Benefits payment acts as a lien against your policy. It reduces the death benefit payable to your beneficiaries. It also reduces the amount of money available for loans as well as the cash value of your policy. The lien equals the amount of the Living Benefits payment you receive, plus accrued interest.

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It may be. You should consult with your personal tax advisor on this issue.

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Nothing, unless the amount of the lien (including interest, plus policy premiums advanced by AXA Equitable, if any) reaches a point where it equals the total death benefit payable under the policy. In this case, you may repay the lien or let the policy terminate.

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Online, through AXA-Equitable.com. Login or Enroll. Click on "Account Details" in the "Choose an Option" drop-down box. Premium amount, paid to date, type and mode are shown in the "Premium Information" section.

By calling our Interactive Telephone, AXA Equitable VOICE IT. 1-800-777-6510, you can confirm the last posted premium payment amount and date it was received. If you have not registered with VOICE IT and established a Personal Identification Number (PIN), you can register by providing your policy number, the last 4 digits of the Owner's Social Security Number and the insured's date of birth.

When calling VOICE IT, you will be prompted to provide your Policy Number and PIN. At the main menu, say "Premium Information" and you will be provided the premium information including the last premium posted. Premium payments take 1-2 business days to post to your account.

If you do not have your policy number or PIN available, AXA Equitable VOICE IT provides the gateway to personal assisted service, Monday through Friday, 8 AM to 7 PM, Eastern Time: 1-800-777-6510. To reach a Customer Service Representative, say "Operator".

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Online, through AXA-Equitable.com Login or Enroll. Click on "Account Details" in the "Choose an Option" drop-down box. Premium amount, paid to date, type and mode are shown in the "Premium Information" section.

By calling our Interactive Telephone, AXA Equitable VOICE IT. 1-800-777-6510, you can confirm the last posted premium payment amount and date it was received. If you have not registered with VOICE IT and established a Personal Identification Number (PIN), you can register by providing your policy number, the last 4 digits of the Owner's Social Security Number and the insured's date of birth.

When calling VOICE IT, you will be prompted to provide your Policy Number and PIN. At the main menu, say "Premium Information" and you will be provided the premium information including the last premium posted. Premium payments take 1-2 business days to post to your account.

If you do not have your policy number or PIN available, AXA Equitable VOICE IT provides the gateway to personal assisted service, Monday through Friday, 8 AM to 7 PM, Eastern Time: 1-800-777-6510. To reach a Customer Service Representative, say "Operator".

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For Paying Online:
You must be registered in AXA-Equitable.com to make payments online.

• From the Portfolio Summary page, select "Make A Payment" from "Choose an Option" dropdown box corresponding to the Policy
• Enter payment amount
• Enter banking information
• Click on Submit Payment

Payments without a bill should be sent to:

For Regular Mail:

AXA Equitable
P.O. Box 1047
Charlotte, NC 28201-1047

For Express Mail:

AXA Equitable
AXA National Operations Center
8501 IBM Drive, Suite 150
Charlotte, NC 28262

Please note your policy number on your check and indicate how your payment should be applied, i.e., to premium, loan principal or loan interest. If you don't indicate how your payment should be applied, we will apply it in accordance with the terms of your policy.

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Online payments can be made for most of your life insurance policies. To make an online payment, you must be registered in AXA-Equitable.com:

• From the Portfolio Summary page, select "Make A Payment" from the "Choose an Option" dropdown box adjacent to a specific life policy.
• Enter amount that you would like to pay
• Enter banking information
• Click Submit Payment

For policies/contracts that are not available for online payments, please mail your payment to the address shown on your payment coupon for the policy/contract.

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Savings accounts cannot be used for online payments. Only a valid checking account with a valid ABA number from a banking institution can be accepted.

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The ABA number or bank routing number is usually the first 9 digits located on the bottom left of your bank check.

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On most life policies you can make the number of payments up to and including the currently dated pay payment required. On variable life policies, you may make one premium payment up to the policy's premium limits.

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If your payment is submitted prior to 4PM ET on a regular business day, your Life Insurance policy or Annuity contract will be credited effective that day. You would be able to see this credited payment online on the following business day.

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You have the option to either save your banking information or to just use it for that transaction. Your information is protected with encryption and secure socket layer technology. We recommend you use a browser that supports 128 bit encryption.

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No, you can only save one checking account for all of your policies.

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Once you have reviewed and submitted your payment, you will be presented with a receipt and a reference number. As stated in the Online Services Payment Agreement, it is your responsibility to print this receipt for your records.

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You have until 4PM ET on a business day to retrieve and cancel your payment transaction.

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If you have previously saved your banking information, you must delete your bank information. You can do this by:

• Clicking on the "Customer Service Tab"
• Select "Edit Banking Information" located on the left hand side of the page
• Delete your banking information

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You can edit your banking information.

• Select the "Customer Service" tab
• Select "Edit Banking Information" from the left navigation
• Edit your banking information

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If you notice an error on your bank statement relating to the use of your password, telephone Customer Service at 1-877-222-2144 immediately, and write us at the address provided by calling Customer Service. We must hear from you within 90 days after you received your FIRST bank statement reflecting the error. Click on the "Annual Error Resolution Notice" link on this Web site for detailed instructions explaining what you should do in case of an error or a suspected error.

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Yes, although you will not receive a periodic statement listing the transactions you made using the Service, we will continue to send you any financial confirmation notices we sent to you before you enrolled.

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No, your consent to this Agreement applies only to the Online Payment Service.

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No, at this time you may make payments online on a single-transaction basis only. AXA Equitable reserves the right to offer automatic debiting authorization in the future. If we do, we will post a notice on the Web site or notify you directly.

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If you believe your password has been stolen, call Customer Service at 1-877-222-2144 at once. If you tell us within 2 business days, you can lose no more than $50. If you do not tell us within 2 business days, and we can prove that we could have prevented further unauthorized use, you could lose as much as $500. If your bank statement shows transfers you did not make, tell us at once. If you do not tell us within 90 days after the statement was mailed to you, you may lose all the money you lost, if we can prove that we could have stopped the unauthorized use of your password.

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Online through AXA-Equitable.com. Login or Register The Portfolio Summary screen will list your policy's Net Cash Surrender Value and the date this value was calculated. Net Cash Surrender Value reflects deductions from your policy's cash value for any loan and loan interest and any surrender charges, if they apply, but does not reflect any payments made under a Living Benefits Rider. Please note that values given may not reflect transactions, credits or deductions processed during the prior or current business day.

By calling AXA Equitable VOICEIT, our Toll Free Interactive Telephone at 1-800-777-6510, you can obtain your policy information, perform transactions as well as receive a variety of forms and statements. Assisted Service is readily available if you require assistance during business hours.

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You can obtain this information online,through AXA-Equitable.com. Login or Register. Click on "Loan Request" in the "Choose an Option" drop down box. The available loan amount and current interest rate (which is subject to change by AXA Equitable) that would apply to a loan is shown in the" Loan Information" section. Before deciding that a policy loan is the best option, you may want to discuss it with your Financial Advisor and ask for an illustration of how a loan may impact your policy's values. If you choose to process a loan request, you will also want to carefully review the Terms and Conditions available in AXA-Equitable.com.

AXA Equitable VOICEIT Interactive Telephone offers you the convenience of requesting Loans on your policy 24 hours a day/7 days a week. You can reach AXA Equitable VOICEIT, Toll Free at 1-800-777-6510. Assisted Service is readily available if you require assistance during business hours.

The amount that you can borrow, as well as the current interest rate (which is subject to change by AXA Equitable) that will be charged on the outstanding loan amount, will be voiced.

Please note that values given may not reflect transactions, credits or deductions processed during the prior or current business day. You can request a cash loan, if you are the Owner of the policy, by requesting a "Loan Request".

If your policy is a Modified Endowment Contract (MEC), a policy loan will be taxable to the extent of gain in the policy, and a 10% penalty tax may also apply to the taxable portion of the distribution.

Please note that any unpaid policy loan balance and interest will reduce your policy's death benefit and cash value. Interest will be billed annually, on your policy's anniversary. If you do not pay the amount due, it will be added to the amount of the loan and next year's interest will be based on this new loan amount. You may make policy loan repayments at any time.

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You can request a loan:

• Online through AXA-Equitable.com. Login or Register Click on "Loan Request" from the "Choose an Option" drop down box.
• AXA Equitable VOICEIT Interactive Telephone offers you the convenience of requesting loans on your policy 24 hours a day/7 days a week. You can reach AXA Equitaable VOICEIT Toll Free at 1-800-777-6510. Assisted Service is readily available if you require assistance during business hours.

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You can repay all or part of your loan at any time. Please note that unpaid policy loan balance and interest will reduce your policy's death benefit and cash value.

Interest will be billed annually, on your policy's anniversary. If you do not pay the amount due, it will be added to the amount of the loan and next year's interest will be based on this new loan amount.

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If your policy is a MEC (Modified Endowment Contract) the tax treatment of any death benefit provided under the contract will still qualify for income tax free treatment. However, you may be subject to additional taxes and penalties on any distributions from your policy during the lifetime of the insured. Any distribution from a policy that is a MEC will be taxed on an "income-first" basis. Distributions for this purpose include a loan (including any increase in the loan amount to pay interest on an existing loan or an assignment or a pledge to secure a loan) or withdrawal. Any such distributions will be considered taxable income to you to the extent there is gain in the policy at the time of distribution. That is, the distribution will be includible in income up to the amount your account value exceeds your basis in the policy.

A 10% penalty tax also will apply to the taxable portion of most pre-age 59 1/2 distributions from a policy that is a Modified Endowment Contract.

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Daily unit prices can be obtained:

• Online, through AXA-Equitable.com. Login or Register. Click on "Unit Values" from the "Choose an Option" drop down box.
• AXA Equitable VOICEIT Interactive Telephone offers you the convenience of requesting the Unit Prices on your policy funds, 24 hours a day/ 7 days a week. You can reach AXA Equitable VOICEIT, Toll Free at 1-800-777-6510. Assisted Service is readily available if you require assistance during business hours.

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The investment options available to you through your AXA Equitable variable life insurance policy are not publicly traded funds and do not appear in the mutual fund listings that are published in many daily newspapers. Barron's, a financial weekly newspaper, does include a listing for variable annuities and life accounts in its "Market Week" section. The unit price, four-week percent total return and a 52- week percent total return is reported (as of a specified date) for the investment portfolios available for selected AXA Equitable variable life policies.

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Programs like Quicken. and Microsoft. Money use ticker symbols of publicly-traded stocks and retail mutual funds to gather their data. Neither your AXA Equitable policies nor the funds that back them are retail mutual funds and therefore do not have ticker symbols. The investment portfolios that you have access to within your policy or contract do not have ticker symbols, so you won't be able to look them up on mutual fund sites to determine their most current price.

AXA-Equitable.com, your online information source for the status and current values of your AXA Equitable life and annuity contracts, does provide you with the most recent closing price for all the investment portfolios you have available to you. In addition, EQAccess also displays monthly and quarterly annualized rates of return for the portfolios available within our variable life and annuity contracts. Login or Register

Please remember that while several of your variable investment options do indeed have substantially similar investment strategies and policies of publicly traded mutual funds, they are subject to different management fees and expenses. Furthermore, the actual performance under your individual policy or contract reflects insurance-related charges, which would not apply in a typical mutual fund. In general, you should be aware of the differences when comparing performance of mutual funds and their variable annuity or variable life counterpart portfolios. Major factors that can contribute to these differences include:

• The portfolio's underlying fee structure (management and administrative expenses),
• Insurance and contract related charges in addition to management expenses (not applicable to mutual funds)
• The timing of the portfolio's purchase and sale of securities; differences in cash flows (new sales and redemptions); and, other strategies employed by the fund manager for tax purposes (not applicable to variable portfolios given their tax-deferred status)

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Due to a technical problem, AXA-Equitable.com is currently unable to retrieve the value of units in that fund. This is only a temporary problem and you should try again later.

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Unit values for the same investment option under different variable products may differ because:

• The types or level of charges deducted before the unit value is calculated may differ by product. Check your policy/contract prospectus for detail on charges for the particular product.
• The policies/contracts were introduced in different years and a new set of unit prices was established.

Note that although the two products may have different unit values for the same investment option, the annualized rates of return for the products may in fact be the same. You can access performance/rate of return information from the Portfolio Summary screen of AXA-Equitable.com.

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To change your address for a life insurance policy you can:

• Login or register in AXA-Equitable.com
• Click here for a printable form

• AXA Equitable VOICEIT Interactive Telephone offers you the convenience of updating the address on your policies 24 hours a day/7 days a week. You can reach AXA Equitable VIOCEIT, Toll Free at 1-800-777-6510. Assisted Service is readily available if you require assistance during business hours.

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Payments without a bill should be sent to:

For Regular Mail:

AXA Equitable
P.O. Box 1047
Charlotte, NC 28201-1047

(For Select UL)
AXA Equitable Life Admin.Center
P.O. Box 6040
Lynchburg, VA 24505

For Express Mail:

AXA Equitable
National Operations Center
8501 IBM Drive, Suite 150
Charlotte, NC 28262

(For Select UL)
AXA Equitable Administration Center
3100 Albert Lankford Drive
Lynchburg, VA 24501

Please note your policy number on your check and indicate how your payment should be applied, i.e., to premium, loan principal or loan interest. If you don't indicate how your payment should be applied, we will apply it in accordance with the terms of your policy.

AXA Equitable VOICEIT Interactive Telephone offers you the convenience of making checking account payments on your policies 24 hours a day/7 days a week. You can reach AXA Equitable VOICEIT, Toll Free at 1-800-777-6510. Assisted Service is readily available if you require assistance during business hours. In addition, premium billing notices and forms to set up electronic drafts for your premium can be obtained via AXA Equitable VOICEIT through the Statements and Forms menu. Forms and Statements are available via Fax, Mail, or Email provided you are registered in AXA-Equitable.com.

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