Media Contacts:

New York

Jeff Tolvin
AXA Equitable
212-314-2811
jeffrey.tolvin@axa-equitable.com

Mary Taylor
AXA Equitable
212-314-5845
mary.taylor@axa-equitable.com

AXA Equitable Introduces Innovative Variable Annuity That Combines Key Features Of Deferred And Immediate Annuities
Product Designed To Turn Retirement Savings Into Guaranteed Payments For Life

New York, NY A new variable annuity introduced today by AXA Equitable bridges the gap between accumulating wealth and guaranteeing retirement income payments. The AXA Equitable Retirement Income for Life SM variable annuity is designed to turn retirement savings into regular income payments guaranteed for the life of the owner or over the lives of both spouses.

It is believed to be the first standalone product to offer access to account value; growth potential; a ratcheting income base; and the ability both to add money to the contract before withdrawals begin and to pass unused account values to heirs.

The innovative AXA Equitable Retirement Income for Life SM variable annuity combines key features of deferred and immediate annuities. The new product provides a minimum level of payments for life that will never decrease but may increase due to market performance. The ability of market performance to impact account value is also found in the accumulation phase of a traditional deferred annuity. In addition, the AXA Equitable Retirement Income for Life SM provides a potential death benefit for heirs and allows additional contributions up to the start of withdrawals features also generally found in deferred annuities.

The guaranteed payments over the life of an individual or the lives of both spouses is a feature of traditional immediate annuities.

AXA Equitable Retirement Income for Life SM provides for the following:

· The annuity owner decides when to begin withdrawals.

· The annuity owner's age at the time withdrawals commence determines the percentage of the income base used for calculating the Guaranteed Annual Payment (GAP) for the life of the contract. The older the owner, the higher the percentage paid annually.

· The Guaranteed Annual Payment (GAP) is calculated from the income base, which includes an annual ratchet. Once established, the GAP amount may increase but will never decrease, unless excess withdrawalsare taken.

· The GAP is guaranteed even if the annuity account value falls to zero.

· The annuity owner has immediate access to his/her funds.

· A joint spousal lifetime income guarantee eliminates any longevity worries of the annuity owner.

· A death benefit protects the contract owner's heirs.

In announcing the new product, Christopher M. Kip Condron, Chairman and Chief Executive Officer of AXA Equitable Life Insurance Company, said: AXA Equitable Retirement Income for Life SM is an innovative way for people to manage their retirement funds with a significant degree of security. It allows them to convert the money they've earned during their working years into a steady, guaranteed stream of income payments for life, while maintaining control of remaining funds.

The owner of the AXA Equitable Retirement Income for Life SM annuity decides when to begin withdrawals. Withdrawals can begin immediately after the annuity is purchased. The age of the owner at the time of the first withdrawal determines the percentage used to calculate the Guaranteed Annual Payment for the life of the contract.

The GAP amount is never reduced, even during poor market conditions, unless the owner makes excess withdrawals. However, the GAP can increase automatically due to strong market performance that raises the annuity account value above the income base. The income base is re-calculated, or ratcheted, at each contract anniversary to match the potentially higher account value.

Excess withdrawals occur when the owner withdraws a cumulative amount which exceeds the GAP in a contract year. When this happens, the income base is reset to equal the lesser of the income base before the excess withdrawal or the account value after the excess withdrawal.

The funds in the AXA Equitable Retirement Income for Life SM annuity are invested among AXA Equitable's five asset allocation investment options. These are investment options that incorporate a fund of funds design with styles ranging from conservative to aggressive. Each portfolio is designed to meet a specific goal and is automatically rebalanced periodically to ensure that the mix of assets remains consistent. The contract owner can choose among any of the five portfolios and transfer assets among them at any time before or after payments begin.

The product features a death benefit to protect the owner's heirs. At the death of the owner, the beneficiary receives the greater of either the remaining account value or the premiums less withdrawals. In a jointly owned contract, the death benefit is paid to the beneficiary when the second spouse dies.

Please consider the charges, risks, expenses and investment objective carefully before investing in a variable annuity. For a prospectus containing this and other information, please contact a financial professional. Read it carefully before you invest or send money.

AXA Equitable Retirement Income for Life SM (Contract form #s:2005IML-A,2005IML-B,2005IML-I-A,2005IML-I-B and any state variations) is issued by and is a service mark of AXA Equitable Life Insurance Company, New York, NY 10104. Distributed by AXA Advisors, LLC, New York, NY 10104 .

AXA Equitable is the principal life insurance subsidiary of AXA Financial, Inc., providing life insurance, annuities and other needs-based products and services for the financial services market. AXA Financial is one of the premier U.S. organizations providing financial protection and wealth management, and had approximately $574.8 billion in assets under management as of June 30, 2005. AXA Financial is a member of the global AXA Group, which had $1.1 trillion in assets under management as of June 30, 2005 . While AXA Equitable is a part of the AXA Group, the AXA Equitable Retirement Income for Life SM variable annuity contract is backed solely by the claims-paying ability of he issuing company, AXA Equitable Life Insurance Company, NY, NY.