Term Life is the simplest form of life insurance. Coverage is for a specified period of time (the term) and provides a death benefit only.

• Death benefit is paid if the insured dies during the specified period.
• Policy does not build cash value.
• Premiums generally remain level or increase throughout the specified period.
• Can be less expensive initially than permanent insurance and gives policyholders the alternative of using the savings to invest on their own.

Advantages of Term Life Insurance

• If your insurance need is projected for a certain number of years, for example, until a debt is paid off, or if cost is a prime consideration, Term may be right for you.
• You can choose protection for one to 30 years.
• Term can save you money or allow you to purchase a larger death benefit than would otherwise be manageable. However, the Term premiums may eventually exceed premiums on other forms of insurance.

Disadvantages of Term Life Insurance

• Term Life Insurance doesn't provide a cash value.
• Term Life Insurance doesn't provide permanent life insurance protection and costs can become prohibitively expensive as you get older.

Life insurance and 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.

AXA Financial, Inc. and its subsidiaries 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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