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New Option Available to Help New Yorkers Save for Retirement

81% of Americans Believe the Individual is Most Responsible for Providing Retirement Income

New York, NY - March 31, 2008 - Americans seem increasingly inclined to take the reins when it comes to their retirement income planning but they are wary of taking risks with their savings. Although a majority of working Americans feels the individual, employer, and government together should contribute to retirement income, 81% believe that individuals themselves are the most responsible, according to the 2008 AXA Retirement Scope survey. However, 64% of workers surveyed by AXA said they would be most interested in financial products that yield a minimum return without financial risk.

A variable annuity with an optional rider that offers a guaranteed withdrawal benefit for life is one option that New Yorkers might consider for their retirement portfolios. For the first time today, AXA Equitable Life Insurance Company is offering its guaranteed withdrawal benefit for life as an optional rider in New York State as part of its popular Accumulator® variable annuity. The guaranteed withdrawal benefit for life, which is available for an additional cost, allows consumers to withdraw a minimum amount of money every year for life, regardless of the performance of their investment portfolios.

"With about $1.4 trillion invested in variable annuities nationally, these products have become an important component of many Americans' portfolios," said Claude Methot, AXA Equitable's Senior Vice President and Chief Product Officer. "As the first New York company approved to market variable annuities in 1968, we have a long history of serving consumers in this state."

The annuity products available today, long-term investment products which provide tax deferral are more sophisticated than ever before. Variable annuities now offer "living benefits," which are specific guarantees that provide additional protections related to income, withdrawal, and accumulation benefits. AXA Equitable pioneered the industry's first optional living benefit rider in 1996.

"By making our guaranteed withdrawal benefit for life rider available in New York State, we are giving people the flexibility to select the options that best match their retirement needs and savings goals," said Mr. Methot.

About Variable Annuities

A variable deferred annuity, such as the Accumulator® variable annuity, is a long-term financial product designed for retirement purposes. In essence, an annuity is a contractual agreement in which payment(s) are made to an insurance company; the insurance company then agrees to pay out an income or a lump sum amount at a later date.

Variable annuity contracts are not insured by the FDIC or any other government agency. They are not deposits or obligations of any bank and are not bank guaranteed. Amounts in an annuity's variable investment portfolios are subject to fluctuation in value and market risk, including loss of principal.

Typically, variable annuities have mortality and expense (M&E) charges, account fees, investment management fees, and administration fees. In addition, annuity policies have exclusions and limitations; early withdrawals may be subject to surrender charges; and, if taken prior to age 59 1/2, a 10% federal income tax penalty may apply. Excess withdrawals can reduce or eliminate the value of the optional benefits.

About Accumulator®

Optional living benefit riders, including the guaranteed withdrawal benefit for life (GWBL) are subject to additional charges and to additional conditions and limitations. All guarantees discussed herein are subject to the claims-paying ability of AXA Equitable Life Insurance Company. The guarantees do not apply to the investment portfolios. AXA Equitable has sole responsibility for its annuity and life insurance obligations.

Certain types of contracts, features, and benefits may not be available in all jurisdictions. For costs and complete details of coverage, interested parties should speak to their financial professional / insurance licensed registered representative.

Interested parties should carefully consider the charges, risks, expenses, and investment objectives of the Accumulator before investing. For a prospectus containing this and other information, people may call AXA Equitable at 212-314-4600. People should read it carefully before investing or sending money.

Accumulator variable annuities are issued by AXA Equitable Life Insurance Company, New York, N.Y. 10104. They are co-distributed by affiliates AXA Advisors, LLC and AXA Distributors, LLC.

About AXA Equitable

In business since 1859, AXA Equitable Life Insurance Company is a leading financial protection company and one of the nation's premier providers of life insurance, annuity, and investment products and services. AXA Equitable's assets under management totaled $888.6 billion as of December 31, 2007.

The company's products and services are distributed to individuals and business owners through its retail distribution channel AXA Advisors, LLC; to the financial services market through its wholesale distribution channel, AXA Distributors, LLC; and to corporations and their employees through its corporate distribution channel, Corporate Markets.

AXA Equitable, a subsidiary of AXA Financial Inc., is part of the global AXA Group, a worldwide leader in financial protection strategies and wealth management. AXA Group's operations are geographically diverse, with major operations in Western Europe, North America, and the Asia/Pacific region. AXA Group is listed as the 15th largest company in the world on the 2007 Fortune Global 500 list (based on revenues)*. It had $1.87 trillion in assets under management as of December 31, 2007. Listed on the Paris Stock Exchange, the AXA ordinary share trades under the symbol AXA. The AXA American Depositary Share is listed on the New York Stock Exchange under the ticker symbol AXA.

AXA Equitable is a sponsor of the Variable Annuities Knowledge Center (www.variableannuityfacts.org), an online resource aimed at helping consumers understand the facts surrounding variable annuities. The Variable Annuities Knowledge Center is operated by a stand-alone, non-profit organization and is overseen by an independent advisory board.

GE-43619 (3/08)

* Fortune 2007 Global 500 by Industry: Insurance – Life, Health, Fortune magazine, July 23, 2007