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AXA Equitable Helps Americans Secure Their Financial Future with More Affordable Lapse Protection Coverage
Date:4/7/2008

Company Offers More Competitive Rates to Enhance Flexible Premium Universal

Life Insurance

NEW YORK, April 7, 2008 /PRNewswire-FirstCall/ -- In today's uncertain economy, many Americans seek financial guarantees. AXA Equitable Life Insurance Company announced today that it's making it easier for Americans to secure their financial future, by offering more competitive rates in approved jurisdictions on its Athena Universal Life(SM) with a built-in Lapse Protection Rider (Athena UL(SM)-LPR) product. The announcement was made today by Claude Methot, Senior Vice President and Chief Product Officer.

Athena UL(SM)-Lapse Protection Rider -- When Guarantees Matter Most

Athena UL(SM)-LPR can provide a guaranteed death benefit for an affordable guaranteed premium that may often be less expensive than whole life insurance. The Lapse Protection Rider, which is automatically included in every Athena UL(SM)-LPR policy, ensures coverage will not lapse for a specific period of time -- even if the policy's account value falls to zero. As long as certain requirements are met, the insurance protection can last up to a lifetime -- guaranteed.

"The Lapse Protection Rider is designed for the policyholder who wants to be in control of his or her budget now and in the future," said Mr. Methot, "Today, we've enhanced Athena UL(SM)-LPR by offering more competitive rates in 'short-pay' situations, in which the policyholder makes larger but a limited number of planned premium payments in early policy years, rather than smaller payments over a longer period. In essence, we're making it more attractive for many people to lock-in their guarantees sooner."

With an Athena UL(SM)-LPR policy, premiums are guaranteed not to increase, regardless of changes in interest rates or policy charges, so long as certain requirements are met. The Lapse Protection Rider alleviates the inherent premium payment "sensitivity" associated with curr
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SOURCE AXA Equitable
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