Overview of Momentum Plus^SM

AXA Equitable’s Momentum Plus^SM is a group variable deferred annuity¹ that can help your retirement savings strategy keep pace with your life and career.

Because Momentum Plus^SM  is a group variable deferred annuity, you don’t pay federal taxes on your contributions and accumulated earnings in your Momentum Plus^SM account until they are withdrawn or distributed. The tax deferral applies even if you move money among investment options in your annuity.

Please consider all of the charges, risks, expenses, and investment objectives carefully before purchasing a variable annuity. For this and other information, please contact your local Ohio AXA Advisors financial professional or read the prospectus and any applicable supplements carefully before you invest or send money.

¹ Annuities are long-term financial products designed for retirement purposes. In essence, annuities are contractual agreements in which payment(s) are made to an insurance company, which agrees to pay out an income stream or a lump sum amount at a later date. There are contract limitations and fees and charges associated with annuities, which include, but are not limited to, mortality and expense risk charges, sales and surrender charges, and administrative fees, and charges for optional benefits. For costs and complete details, contact your financial professional.

Since 401(a) plans—such as the Ohio ARP—are tax deferred, annuities used to fund 401(a) plans do not offer any extra tax benefits. If you are buying a Momentum Plus^SM annuity to fund the Ohio ARP, you should do so for its features and benefits other than tax deferral. You should consider how these features and benefits—and the Momentum Plus^SM annuity’s costs and risks—compare to other options available through the corresponding public retirement system.

Please be advised that this page is not intended as legal or tax advice. Accordingly, any tax information provided on this page is not intended or written to be used, and cannot be used, by any taxpayer for the purpose of avoiding penalties that may be imposed on the taxpayer. The tax information was written to support the promotion or marketing of the transaction(s) or matter(s) addressed and you should seek advice based on your particular circumstances from an independent tax advisor.

Not all contract features and benefits are available in all jurisdictions.

GE-51870 (10/09)