• Annuities
  • Annuity Glossary
• Variable Annuities
  • Retirement Cornerstone®
  • Structured Capital Strategies^SM
  • The Accumulator^® Series
  • The EQUI-VEST® Series
• Fixed Annuities
  • Guaranteed Growth Annuity
• Immediate Annuities
• Individual Retirement Accounts

What are some of the strategies that can help  you avoid outliving your retirement savings?

When it comes to retirement, outliving retirement savings is one of the chief concerns. If you’re worried about having enough money in your later years, consider how annuities can help you with your savings for retirement. 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.  An annuity that offers defined growth of principal and interest is called a fixed annuity, while a product that provides the opportunity for market appreciation through a variety of investment options and also carries more risk is called a variable annuity.

When you’re seeking retirement advice from your financial professional, ask how the innovative annuities from AXA Equitable can help build your retirement savings.

Learn more about some options for your retirement savings with AXA Equitable

AXA Equitable provides innovative products that can help build your retirement savings.

AXA Equitable is a leading life insurance company and provider of annuities that may help you with your retirement savings. AXA Equitable offers two new annuity products designed to help grow your retirement savings while also offering ways to help protect your savings against the risks of down markets.

• Retirement Cornerstone^®, a variable annuity product, features two accounts within the same investing platform. The Investment Performance Account offers the opportunity for growth and performance, while the Protection with Investment Performance Account offers the ability to help protect your retirement savings and, for an additional cost, can provide guaranteed future income(subject to income restrictions and age limitations). Guarantees are based on the claims-paying ability of the issuing insurance company.  For complete product information, please click here.
• Structured Capital Strategies^SM is a variable annuity product that allows you to participate in up market appreciation up to a specified cap while guarding against some down market risk. The cap may limit your potential in up markets. Investment options track indices in global, domestic and commodities markets, while a Segment Buffer will absorb up to –10, -20 or -30 percent of your losses, depending on your investment options. 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. Investment options with greater protection tend to have lower performance cap rates than other investment options that use the same index and duration but provide less protection. For complete product information, please click here.

AXA Equitable also offers a variety of other products to help build your retirement savings, including:

• Additional annuities including fixed, immediate and variable annuities like the Accumulator^® variable annuity series.
• Life insurance, including whole, universal, variable and term life insurance products. Life insurance benefits can play a significant role in protecting your retirement savings and ensuring your family’s financial future.

Ask your financial professional about other AXA Equitable products that can help you keep pace with interest rates and inflation, as well as products for 403(b) and 401(k) plans for small businesses.

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. 

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.

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.  

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.

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

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. 

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 61882 (6/11)