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AXA Equitable Makes it Easier to Stop Ignoring Life Insurance
Date:11/5/2007

Company Introduces Simplified Issue Underwriting for Return of Premium Term

NEW YORK, Nov. 5 /PRNewswire-FirstCall/ -- To make the purchase of life insurance easier and more convenient, AXA Equitable introduced today in approved states a simplified issue underwriting process for its Return of Premium Term (ROP Term(SM)) life insurance on policy face amounts from $100,000 to $249,999. "ROP Term with Simplified Issue makes buying life insurance easier and more convenient," said Claude Methot, Senior Vice President and Chief Product Officer, who made today's announcement. "There are no needles. No samples. No lengthy applications and complicated underwriting questionnaires. No paramed exams. No waiting for attending physician statements from your doctor." Instead, applying for ROP Term(SM) with Simplified Issue involves a painless, self-administered oral swab, a private 15 to 20 minute telephone interview, and a short application. Two underwriting classes are available - Simplified Issue Non-Tobacco User and Simplified Issue Tobacco User.

The Appeal of ROP Term(SM) - Protection and Refund Potential

AXA Equitable's ROP Term(SM) series offers level death protection for a selected period and the potential to receive a premium refund. If a policyholder outlives the ROP Term(SM) level premium period selected (20, 25 or 30 years) and the policy is still inforce, he or she will receive a refund of 100% of the eligible cumulative premiums paid*. The cash refunded is federal income tax free. "In essence," said Mr. Methot, "with ROP Term(SM) the policyholder gets the needed coverage during the level premium period, but if the insured lives beyond that period, she receives her money back. And now with simplified issue underwriting, we're making it easier to access these benefits."

Ease of Convertibility

As families and/or businesses grow, it may make sense to 'move up' to permanent life insurance, which offers lifelong death benefit protection. D
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SOURCE AXA Equitable
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