Insurance Products and Services |
Return of Premium TermSM
Term Life Insurance That Can Pay Back Your Premiums
Level Premiums for up to 30 Years
Convertible to Permanent Insurance
This page highlights some of the features and benefits of this product. For more complete details, please download the product brochure, above.
- Key Features
- Next Steps
Cash Refund of Eligible Premiums
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As term insurance, the premiums for ROP TermSM may be less than permanent life insurance. But what’s exciting about ROP TermSM is that it can reward you for “outliving your policy.” If you live to the end of your level premium period and your policy is still in force, you will receive a refund of 100% of the eligible cumulative premiums you paid.1 And, the cash you receive is federal income tax free. |
Guaranteed Level Premiums |
The AXA Equitable ROP TermSM offer affordable premiums that are guaranteed to remain level for twenty, twenty-five or thirty years, depending on which policy you choose. After the stated term, your premiums will increase annually, but will never exceed specified maximum premiums. |
Convertible to Permanent Insurance |
Term insurance cannot deliver all the benefits provided by permanent insurance, which offers:
AXA Equitable ROP TermSM policies are convertible to one of our permanent life insurance products with no medical examination or blood tests required. If you exercise your conversion privilege, we’ll give you a credit towards the first premium on your new policy so your out-of-pocket cost is reduced that are available for an additional cost. |
Choice of Riders |
Depending on your current or anticipated future needs, you can tailor your ROP TermSM policy by taking advantage of a selection of optional policy riders that are available for an additional cost. For more detailed information, please refer to the fact card link above. |
1 The eligible cumulative premiums paid include premiums for the policy that were paid prior to the benefit’s expiry date and do not include premiums for any riders and additional risks. It is also reduced by any policy loans.
Guarantees are based on the claims-paying ability of AXA Equitable.
Life insurance is subject to exclusions, limitations and terms for keeping it in force. Your financial professional can provide you with complete details.
Life insurance is issued by AXA Equitable Life Insurance Company (NY, NY).
This is a general summary of the key provisions of AXA Equitable Return of Premium TermSM insurance policies. However, variations by state may apply. Please contact your financial professional for a complete description of applicable provisions.
AXA Equitable Return of Premium TermSM, AXA Equitable Return of Premium Term 20SM, AXA Equitable Premium Term 30SM, ROP TermSM, and AXA Equitable Term Series are service marks of AXA Equitable Life Insurance Company, New York, NY 10104.
Contract form #s: 148-20, 148-25 and 148 30, or state variations.
GE-42886 (3/08)
Variable Investment Options
Growth Potential
Our variable investment options offer the opportunity to direct how your annuity contributions or life insurance premium payments are invested among a wide array of stock, bond, international and money market investment options.
This access provides an opportunity for growth of your account value. Please keep in mind that variable investment options are subject to fluctuations in value and market risk, including loss of principal.
Quality
Evaluating investment options has never been easy. And in today’s investment environment, where investors have literally thousands of choices. You need an objective and expert guide.
Through a multiple-step selection process, we systematically narrow the universe of money management firms to identify money managers that are best suited to meet specific investment goals.
Many of our money managers are household names you’re sure to recognize. Others are better known among large institutional investors.
Choice
Our variable investment option platform is designed to help meet the needs of a wide variety of investors, while being responsive to an ever-changing market environment. We offer a carefully selected menu of investment options that meets the needs of diversification-minded investors, while accommodating individual preferences and risk appetites.
Simplicity
For investors who want a simplified approach to building a diversified portfolio, a series of asset allocation portfolios are available. No matter which series you choose, each portfolio is constructed as a "fund-of-funds," diversified by AXA Equitable’s team of investment specialists. With one simple investment, you gain access to the combined performance of multiple portfolios, depending on the strategy chosen.
The Benefits of AXA Allocation Portfolios managed by AXA Equitable
- Tailored to Meet Your Goals — you can pursue your individual goals whether based on your personal risk tolerance or time horizon
- Convenient — you get a well-diversified investment program in a single portfolio, utilizing multiple money managers, asset classes and investment styles
- Professionally Managed — you can access well-established money managers, monitored continuously and replaced when necessary
- Automatic Rebalancing — portfolios are rebalanced regularly by trained professionals to keep your investment on track
Please note that AXA Allocation Portfolios entail fees and costs in addition to the fees and costs incurred in the Portfolios' underlying investment earnings.
Performance
As many investors have learned, a portfolio manager can suddenly leave a firm, or deviate from his or her investment style in pursuit of short-term returns. Many times these changes occur without the investors’ knowledge, which could alter the course of a disciplined investment strategy.
That’s why our seasoned team of investment professionals continuously “manages the managers” once they have been selected. This is a dynamic process that holds each money manager accountable and keeps them focused on delivering consistent, long-term results.
Learn More
To learn more about the individual investment options, such as investment strategy, Morningstar rating, top holdings and more, browse our Variable Investment Portfolio Fact Sheets.
You should consider the charges, risks, expenses, and investment objectives carefully before investing. Please click the link at the top of this page to download the product prospectus, which contains this and other information
Variable products are issued by AXA Equitable Life Insurance Company (NY, NY) and are co-distributed by affiliates AXA Advisors, LLC and AXA Distributors, LLC.
GE 43448 (3/08)
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
