Retirement Income - AXA Equitable

Building Your Retirement Income With Products From AXA Equitable

Planning for retirement is often driven by one question – will you have enough income? Outliving your retirement income is a significant concern for most folks. Annuity products can help address this worry by providing guaranteed retirement income during your later years. 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 a retirement 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. Guarantees are based on the claims-paying ability of the issuing insurance company. Annuities may be fixed, offering defined growth of principal and interest, or variable, offering the possibility for more growth and at the same time more risk.

Learn more about how annuities can help boost your retirement income

AXA Equitable Annuities Offer Guaranteed Retirement Income

AXA Equitable is a leading provider of life insurance and annuities. Two new annuity products from AXA Equitable can help provide retirement income while providing opportunity for protection against down market risk:

Retirement Cornerstone^® is a variable annuity with two accounts within a single tax-deferred annuity platform. The Investment Performance Account focuses on investment portfolio choices, while the Protection with Investment Performance Account focuses on providing future retirement income. The Protection with Investment Performance account is part of a variable annuity and includes an optional feature which is available at an additional cost and is subject to income restrictions and age limitations. Retirement Cornerstone offers a wide range of investment options to help you increase diversification and give you greater flexibility. For more complete product information, please click here.
Structured Capital Strategies^SM is a variable annuity product that offers the opportunity to participate in market appreciation up to a specified cap while protecting against some down market risk. Investment options track indices in domestic, global and commodities markets, while built-in protection – a Segment Buffer – protects you against the first -10, -20 or -30 percent of any loss, based on your selected investment choices. The cap may limit your potential in up markets. Segments with greater protection tend to have lower performance cap rates than other segments that use the same index and duration but provide less protection. While you are protected from some downside risk, if the negative return is in excess of the protection offered by this product, there is a risk of a substantial loss of your principal. For more complete product information, click here.

Other annuity products from AXA Equitable include:

Fixed annuities that offer defined growth of principal and interest, where earnings accumulate tax-deferred until funds are withdrawn, usually for retirement.
Variable annuities like AXA Equitable’s Accumulator^® Series, offering investment options that allow you to pursue long-term growth and lifetime retirement income payout options. For more complete product information, click here.
Immediate annuities that convert assets into regular income that may last for your lifetime or for a pre-determined period.

Determine The Income You’ll Need For Retirement With Our Useful Website Resources

This website offers many helpful resources to help you in developing your retirement plan and calculating how much retirement income you may need. In the Retirement Resources section you’ll find helpful articles, retirement calculator tools and answers to many common questions. Here, you can research retirement investments, think through options for your employer’s 401(k) or 403(b) plans, and understand the role that variable, universal or whole life insurance can play in planning for the future.

Learn more about AXA Equitable products that can help you with your retirement income

This article highlights only some of the features and benefits of some of AXA Equitable products. For cost and complete details, please contact your financial professional.

Withdrawals from annuities are subject to normal income tax treatment and if taken prior to age 59 ½ may be subject to an additional 10% federal income tax penalty. Withdrawals may also be subject to a contractual withdrawal charge.

Variable annuity subaccounts fluctuate with changes in market conditions. When surrendered, the principal may be worth more or less than the original amount invested. The guarantees available with variable annuities do not apply to the investment portfolios.

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

AXA Equitable may discontinue contributions and transfers among investment options or make other changes in contribution and transfer requirements and limitations.

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

Life insurance and annuity products are issued by AXA Equitable Life Insurance Company (NY, NY) (AXA Equitable). Variable annuity products are co-distributed by AXA Distributors, LLC and AXA Advisors, LLC, New York, NY 10104, members FINRA, SIPC. AXA Equitable, AXA Distributors and AXA Advisors are affiliated companies and do not provide tax or legal advice.

Retirement Cornerstone^® is a registered service mark of AXA Equitable Life Insurance Company. Contract form #s: 2010BASE-A/B, 2010BASE-I-A/B, 2010BASE-I-A(WA) and any state variations.

Structured Capital Strategies^SM is a service mark of AXA Equitable Life Insurance Company. Contract form #s: 2010PCSBASE-I-A/B and 2010PCSBASE-A/B and any state variations.

Accumulator^® is a registered service mark of AXA Equitable Life Insurance Company. Contract form numbers: 2006BASE-A/B, 2006BASE-I-A/Bm 2007BASE-I-A(OR)(rev 2/09) and any state variations

Variable Annuity: · Is Not a Deposit of Any Bank · Is Not FDIC Insured · Is Not Insured by Any Federal Government Agency · Is Not Guaranteed by Any Bank of Savings Association · May Go Down in Value.

GE 60487 (6/11)