Retirement Products and Services

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Annuities

What is an Annuity?

An annuity is long-term retirement savings product that can help protect you against the risk of outliving your assets. It is a contract between you and an insurance company: you receive future income in return for your contributions.

Any growth occurs on a tax-deferred basis until amounts are withdrawn, usually at retirement. You may receive income in a number of ways, including guaranteed payments that will last for as long as you live. Annuities can be a valuable addition to your retirement plan.

Annuities may help you:

Receive guaranteed retirement income payments for as long as you live
Protect beneficiaries with a death benefit
Diversify your investments
Any growth occurs on a tax-deferred basis
Avoid outliving your assets

Types	Key Features
Fixed Annuities	Safety, stability and guarantees Tax-Deferred Growth Guaranteed Principal, Interest and Renewal Rates Benefits to Spouses and Beneficiaries
Immediate Annuities	Regular income now and for life Regular Payments Distribution Options Choice of Contract Types Tax Benefits Postponement of Taxes No Withdrawals
Variable Annuities	Guaranteed income for life Tax-Deferred Growth Potential¹ Access to Account Value Benefits to Beneficiaries Benefits to Spouses
Employer-Sponsored Retirement Plans	Offered through employers Available for educators and employees of non-profit organizations

Amounts in variable annuity's investment portfolios are subject to fluctuation in value and market risk, including loss of principal.

Withdrawals for annuities are subject to ordinary income tax treatment and if made prior to age 59½, may be subject to an additional 10% federal income tax penalty.

There are contract limitations and fees and charges associated with annuities, which include, mortality and expense risk charges, sales and surrender charges and administrative fees. A financial professional can provide cost information and complete details.

Annuities are issued by AXA Equitable Life Insurance Company (AXA Equitable) and by various unaffiliated carriers through AXA Network, LLC and its subsidiaries. Co-distributed by AXA Distributors, LLC and AXA Advisors, LLC, members FINRA, SIPC. AXA Equitable, AXA Network, AXA Distributors and AXA Advisors are affiliated companies. All guarantees are based on the claims-paying ability of AXA Equitable. The guarantees do not apply to the investment portfolios.

Variable annuities are offered by prospectus only. Please consider the charges, risks, expenses and investment objectives carefully. For a prospectus containing this and other information, please contact a financial professional. Read the prospectus and consider the information carefully before you invest or send money.

AXA Equitable and its affiliates do not provide tax or legal advice. This material is provided for informational purposes only. Please consult your tax and/or legal advisors regarding your particular circumstances.

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