One of the major appeals of Whole Life Insurance is that it guarantees a minimum death benefit (also known as the face amount), no matter how long you live, as long as premiums are paid.

• You pay a fixed premium guaranteed for the life of the contract.
• Premiums are invested in the insurance company’s general account.
• You are guaranteed to receive the policy’s minimum cash value and a guaranteed minimum death benefit.
• Dividends, which are not guaranteed, can increase your cash value and death benefit above the guaranteed minimums.

Advantages of Whole Life Insurance

• The discipline of fixed premiums eliminates the temptation to skip premium payments, which could result in future funding problems.
• Fixed premiums allow you to plan cash outlays accurately.
• Dividends, which are not guaranteed, can be used to reduce the policy owner’s out-of-pocket costs.

Disadvantages of Whole Life Insurance

• You can’t increase or decrease the face amount of your policy. Additional coverage requires the purchase of another policy, additional costs, and evidence of insurability.
• No investment flexibility.
• Growth potential is limited.

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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