Retirement Products and Services
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Retirement Cornerstonesm

  • Guaranteed Income for Life

  • Two Accounts Offering Performance and Protection

  • Both in a Single Tax-Deferred Platform

Product Type

Features

Annuities

  • Designed to help you avoid outliving your assets 
  • Can potentially provide retirement income payments for as long as you live 
  • Helps you potentially grow your assets on a tax-deferred basis and diversify your investments
  • Can protect beneficiaries with a death benefit

IRAs

  • Save for retirement and make contributions that may be tax deductible
  • Defer taxes on any investment earnings until withdrawal, when you may potentially be in a lower tax bracket
  • Choose from a range of IRA types to suit your individual needs

Employer-Sponsored Retirement Plans

  • Help employees save for retirement on a tax-advantaged basis
  • May provide opportunities for employers to contribute to employee retirement savings by matching a portion of employee contributions

Please consider the charges, risks, expenses, and investment objectives carefully before purchasing a variable life insurance policy or 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.

Please be advised that this page is not intended as legal or tax advice. Accordingly, any tax information in this document 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.

Funding a tax qualified retirement plan or arrangement with an annuity does not provide any additional tax benefits, however, doing so can provide you with additional insurance benefits and contract features beyond tax deferral. You may 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.

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 and life insurance policies are issued by AXA Equitable Life Insurance Company (AXA Equitable) NY, NY and are distributed by AXA Advisors, LLC (member SIPC). AXA Equitable and AXA Advisors are affiliated companies and do not provide legal or tax advice.

Contract form numbers: 11936P, 92EDC, 2002EDC, 11934T, 11947CT-1, 11947CTU-I, 92TSA, 92TSU, 2001TSAGAC, 2001TSACERTA/B, 92SEP, 2000ENPRPSEPG, 2002ENSIMI, 92NQIGB, 94ICA/B, 94ICIA/B, 2003EBASE, 1048-94-GC, 03-400, 07-300 and any state variations

GE-52197 (12/09)


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