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AXA Equitable Helps Americans Prepare for a Long Retirement
Date:2/25/2008

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AXA Equitable is one of the insurance industry's top-selling variable annuity companies, according to industry data provider VARDS (http://www.vards.com/). As of the third quarter of 2007, VARDS reported that the company's total variable annuity year-to-date sales reached $11.425 billion. It ranked No. 2 with a market share of 8.6%, VARDS said.

About Variable Annuities

A deferred variable annuity, such as the Accumulator(R) variable annuity, is a long-term financial product designed for retirement purposes. In essence, an annuity is a contractual agreement in which payment(s) are made to an insurance company; the insurance company then agrees to pay out an income or a lump sum amount at a later date.

Variable annuity contracts are not insured by the FDIC or any other government agency. They are not deposits or obligations of any bank and are not bank guaranteed. Amounts in an annuity's variable investment portfolios are subject to fluctuation in value and market risk, including loss of principal.

Typically, variable annuities have mortality and expense (M&E) charges, account fees, investment management fees, and administration fees. In addition, annuity policies have exclusions and limitations; early withdrawals may be subject to surrender charges; and, if taken prior to age 59 1/2, a 10% federal income tax penalty may apply.

About Accumulator(R)

Optional living benefit riders including the Guaranteed Withdrawal Benefit for Life (GWBL) are subject to additional charges and to additional conditions and limitations. The benefit base mentioned in this announcement is used to determine GWBL amounts but does not have a cash value.

All guarantees discussed herein are subject to the claims-paying ability of AXA Equitable Life Insurance Company. The guarantees do not apply to the investment portfolios. AXA Equitable has sole responsibility for its annuity and life
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SOURCE AXA Equitable
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