• Life Insurance
• Tax-Related Benefits of Life Insurance
• Charitable Giving
• Term Life Insurance
  • AXA Equitable's Term Series^SM
• Universal Life Insurance
  • Athena UL^SM
  • Athena Survivorship Universal Life^SM III
• Indexed Universal Life Insurance
  • Athena Indexed UL^SM
• Variable Universal Life Insurance
  • Incentive Life Optimizer^® II
  • Incentive Life Legacy^® II
  • Survivorship Incentive Life Legacy^SM
• Whole Life Insurance
  • Interest Sensitive Whole Life Insurance
• Variable Whole Life Insurance

Strengthen Your Financial Plan With Whole Life Insurance

When you’re working to secure your family’s financial future, whole life insurance can play an important role by providing financial protection against an untimely death. Whole life insurance provides a minimum death benefit, no matter how long you live, as long as your premiums are paid. Premiums are fixed, eliminating the temptation to skip payments and allowing you to plan cash outlays accurately. And whole life offers the opportunity for some limited growth potential.

Consider including a whole life insurance policy in your financial plan. AXA Equitable can help offering affordable whole life insurance with guaranteed cash vale and tax-deferred accumulation. 

Learn more about whole life insurance and AXA Equitable

AXA Equitable’s Interest Sensitive Whole Life^sm Delivers Affordable Permanent Insurance.

As a leading provider of financial protection products since 1859, AXA Equitable offers an affordable choice in whole life insurance: Interest Sensitive Whole Life^SM. This permanent life insurance policy includes a guaranteed minimum cash value that increases each year, equaling the Face Amount at age 100.  The policy’s premium also is guaranteed – it can never be raised. The cash value of the policy can be accessed through loans and withdrawals that may be made tax-free as long as the policy stays in force until the Insured’s death.¹ And this whole life policy includes optional riders, available at an additional cost, which can help you tailor the policy to your needs.

Please read the Interest Sensitive Whole Life^sm fact card for more complete information

Learn more about whole life and other insurance products

This website contains rich resources of information about life insurance and financial planning. Find answers to your questions about whole life insurance, term life insurance and variable life insurance as well as retirement and annuities.   You’ll find answers to a great many questions, including:

• Why do I need insurance?
• Is it less expensive to buy insurance when I’m young?
• What’s the difference between term, whole, universal and variable life insurance?
• Can I convert all or part of my term life insurance policy to permanent life insurance?
• Can an insurance company require me to submit to a medical exam before issuing a life insurance policy?
• Will I be taxed on the growth of the cash value in my life insurance? What if my policy pays dividends?

Learn more about AXA Equitable and whole life insurance.

¹Under current federal tax rules, you generally may take income-tax-free partial withdrawals under a life insurance policy that is not a Modified Endowment Contract (MEC), up to your basis in the contract.  Additional amounts are includible in income.  The IRS places a limit on how much money can go into life insurance premiums for the policy and how quickly such premiums can be paid in order for the policy to retain all of its tax benefits.  If certain limits are exceeded, a MEC results.  MEC policyholders may be subject to taxes on distributions on an income-first basis, that is, to the extent there is gain in their policies, and penalties on any taxable amount if they are not age 59^1/2 or older.  Loans taken will be free of current income tax as long as the policy remains in effect until the Insured's death, does not lapse, and is not a MEC.  Please note that outstanding loans accrue interest.  Income-tax-free treatment also assumes the loan will eventually be satisfied from income-tax-free death benefit proceeds.  Loans and withdrawals reduce the policy's cash value and death benefit, may cause certain policy benefits or riders to become unavailable, and increase the chance the policy may lapse.  If the policy lapses, is surrendered or becomes a MEC, the loan balance at such time would generally be viewed as distributed and taxable under the general rules for distribution of policy cash values. 

Please be advised that this material is based on our general understanding of federal income tax rules for U.S. individuals and is not intended as legal or tax advice.  Accordingly, any tax information provided in this material is not intended to be written or to be used, and cannot be sued, 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.

All guarantees are based on the claims-paying ability of AXA Equitable Life Insurance Company.

Interest Sensitive Whole Life has limitations.  Certain types of policies features and benefits may not be available  in all jurisdicitons or may be different.  For costs and more complete details of coverage, contact your financial professional.

Life insurance and annuity products are issued by AXA Life Insurance Company (AXA Equitable), NY, NY and co-distributed by affiliates AXA Network, LLC and its subsidiaries and AXA Distributors, LLC.  Interest Sensitive Whole Life^sm is issued by and is a service mark of AXA Equitable.  Variable products are co-distributed by affiliates AXA Advisors, LLC and AXA Distributors, LLC, membres FINRA, SIPC.

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 or Savings Association.

Contract form# 149-56 or state variation

 

GE-60389 (6/11)