Please consider the charges, risks, expenses, and investment objectives carefully before purchasing a variable annuity. For a prospectus containing this and other information, please click on links above or contact a financial professional. Read it carefully before you invest or send money.

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 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, administrative fees, and charges for optional benefits. Amounts in a variable annuity's investment portfiolios are subject to fluctuation in value and market risk, including loss of principal.  A financial professional can provide cost information and complete details.

Withdrawals from annuities are subject to normal income tax treatment and if taken prior to age 59 1/2 may be subject to an additional 10% federal income tax penalty. Withdrawals may also be subject to a contractual withdrawal charge.

An annuity contact that is purchased to fund an employer-sponsored plan should be done so for the annuity's features and benefits other than tax deferral.  For such cases, tax deferral is not an additional benefit for the annuity. You may also want to consider the relative features, benefits, and costs of this annuity with any other investment that you may have in connection with your retirement plan or arrangement.

Certain types of contracts, features and benefits may not be available in all jurisdictions or may be different.

Annuities are issued by AXA Equitable Life Insurance Company (AXA Equitable) NY, NY and are co-distributed by AXA Advisors, LLC and AXA Distributors, LLC. AXA Equitable, AXA Distributors and AXA Advisors are affiliated companies and do not provide legal or tax advice.

GE-65625 (10/11)