Variable Life Insurance - AXA Equitable

Can Variable Life Insurance Help Protect Your Financial Future?

You have worked hard and variable life insurance may be able to help preserve your family’s standard of living by providing a death benefit. Variable universal life insurance is permanent life insurance that offers flexible premiums and gives you some control over how your premiums are invested. The premiums are allocated among a broad array of investment options which include equity and bond portfolios. These portfolios provide long-term growth potential, tax-deferred, and you are able to make tax-free transfers between different portfolios. Consequently, variable life carries greater potential growth opportunities, but greater risk as well – cash values and death benefits can rise and fall based on the performance of your investment choices.

Variable life insurance policy values are not guaranteed and will fluctuate based on the performance of the underlying investment options. Your policy cash values may be worth more or less than the premiums you paid. In addition, there are fees and charges associated with variable universal life insurance policies, including costs of insurance charges, surrender charges, administrative and investment management fees, mortality and expense risk charges, and charges for any optional benefits.

When you’re considering variable life insurance as part of your financial plan, take a look at the life insurance products offered by AXA Equitable, a leading provider of life insurance and other financial protection products.

Learn more about variable life insurance and AXA Equitable

AXA Equitable: Innovative Variable Life Insurance Products For Your Financial Plan

AXA Equitable, one of the nation’s leading life insurance companies since 1859, offers several variable life insurance products designed to give you more flexibility and potential for growth.

Incentive Life Optimizer^® II is a variable universal life insurance contract with the primary purpose of providing a death benefit. It is a long-term financial product that can also allow potential accumulation of assets through customized, professionally managed investment portfolios which will fluctuate based on the performance of the underlying investments. A new investment option available for an additional fee, Market Stabilizer Option^SM helps manage volatility in the markets by combining growth potential (up to a cap) and a floor on downside protection. The cap may limit your potential in up markets. While you are protected from some downside risk if the negative return is in excess of the protection offered by this product, there is a risk of substantial loss of your principal. For more complete product information, please click here

AXA Equitable also offer the Survivorship Incentive Life Legacy^SM variable universal life insurance policy, designed to insure two lives, typically a husband and wife, paying a death benefit to the surviving insured that is most often used to pay estate taxes and other estate settlement costs. Consult your financial professional for estate planning information that may help you evaluate the value of this variable life product. For more complete product information, please click here

Find A Wealth Of Information And Resources On Variable And Other Kinds Of Life Insurance

This website contains a wealth of helpful resources to anyone wanting to learn more about variable life insurance. Through many articles, tools and other online resources, you can find answers to questions that include:

Who should have life insurance?
What amount of life insurance do I need?
What kind of life insurance is right for me?
What’s the difference between variable life and whole life insurance?

AXA Equitable also provides universal life insurance, whole life insurance, term life insurance and other products.

Learn more about AXA Equitable and variable life insurance

This article highlights only some of the features and benefits of some of AXA Equitable products. For cost and more complete details, please contact your financial professional.

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. 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 variable insurance include, mortality and expense risk charges, cost of insurance, surrender charges, administrative fees, investment management fees and changes for optional benefits.

Variable subaccounts 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 investments portfolios.

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.

AXA Equitable may discontinue contributions and transfers among investment options available with some of its products or make other changes in contribution and transfer requirements and limitations.

Please be advised that this article is not intended as legal or tax advice. Accordingly, any tax information provided in this document is not intended or written to be used, and cannot be used, by any taxpayer for the purpose of avoiding penalties that may be imposed on the taxpayer. The tax information was written to support the promotion or marketing of the transaction(s) or matter(s) addressed and you should seek advice based on your particular circumstances from an independent tax advisor.

Life Insurance issued by AXA Equitable Life Insurance Company (NY, NY) (AXA Equitable). Variable life insurance products are distributed by AXA Advisors, LLC, New York, NY 10104. (members FINRA, SIPC). AXA Equitable and AXA Advisors are affiliated companies and do not provide tax or legal advice.

Incentive Life Optimizer^® II, Policy form ICC 10-100 and state variations

Survivorship Incentive Life Legacy^SM is a service mark of AXA Equitable Life Insurance Company, Policy form #08-100 or state variations

Variable Life Insurance: · Is Not a Deposit of Any Bank · Is Not FDIC Insured · Is Not Insured by Any Federal Government Agency · Is Not Guaranteed by Any Bank of Savings Association · May Go Down in Value

GE 60395 (6/11)